Advanced Lending Solutions
FOR THE SELF - EMPLOYED
Self-Prepared Profit & Loss Mortgage
Traditional loans rely on tax returns — but if you write off expenses like most business owners do, qualifying gets hard. We qualify you on your actual cash flow instead.
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3.5%
MINIMUM DOWN
580+
CREDIT SCORE
No W-2
REQUIRED
No CPA
SIGNATURE NEEDED
How to Qualify Using a Profit & Loss Statement
Traditional mortgages rely heavily on tax returns. But if you’re a business owner, freelancer, or contractor, you likely write off expenses — which lowers your taxable income on paper, even if your actual cash flow is strong.
Our Self-Prepared P&L program solves exactly that. Instead of penalizing you for smart tax strategy, we let you qualify based on a self-prepared profit and loss statement that reflects your real income — no accountant signatures, no tax returns, no 1099s required.
Whether you’ve been denied elsewhere or just want a smarter path to approval, this program was built for borrowers like you.
No Tax Returns
Qualify without filing history or returns
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As Low as 3.5% Down
Accessible entry point for homeownership
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Primary Residence
Use it to buy the home you want to live in
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Self-Prepared P&L
No CPA or accountant signature required
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580+ Credit Score
Flexible credit requirements accepted
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Bank Statements Option
Also qualify using 12–24 months of bank statements​
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Two Ways to Qualify Without Tax Returns
Choose the path that best reflects your income — both options avoid traditional documentation requirements.
SELF - EMPLOYED
MOST POPULAR
Self-Prepared P&L Mortgage
Qualify using only a profit and loss statement you prepare yourself. No tax returns, no CPA signatures, no 1099s. We evaluate your actual business cash flow — not what the IRS sees after deductions.
Self-prepared P&L statement only
No tax returns or 1099s required​
No accountant or CPA signature needed
As little as 3.5% down payment
Self-prepared P&L statement only
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BUSINESS OWNERS
Bank Statement Loan Program​
Prefer to use your bank deposits instead of a P&L? Our Bank Statement program uses 12 to 24 months of personal or business bank statements to calculate your qualifying income — a great option for borrowers with strong, consistent cash flow.
12 or 24 months of bank statements
Personal or business accounts accepted​
No tax returns required
Ideal for contractors and freelancers
Primary residence and investment properties
Send Us Your Inquiry
Is This Program Right for You?
This program was designed for borrowers who fall outside the traditional mortgage mold — and that’s exactly where we shine.
You’re Self-Employed
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Business owners, sole proprietors, LLCs — if your income comes from running your own business, this program was built for you.​
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You Write Off a Lot of Expenses
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Smart tax strategy shouldn’t cost you a home. If write-offs lower your taxable income, we look at cash flow instead.​
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You’re a Freelancer or Contractor​
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1099 workers, gig economy professionals, and independent contractors all qualify under this program.​
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You’ve Been Denied Elsewhere​
If a bank turned you down because of low reported income, we may still have a path to get you approved.
Frequently Asked Questions
How do I qualify using a P&L statement?
You prepare a profit and loss statement showing your business income and expenses. We use that to calculate your qualifying income — no tax returns, 1099s, or CPA signatures required. Our team can walk you through exactly what the P&L needs to include.
Do I need a CPA or accountant to sign my P&L?
No. That’s one of the biggest advantages of this program. You prepare the P&L yourself — no third-party accountant or CPA signature is needed. This makes the process faster and more accessible.
What credit score do I need?
We accept credit scores starting at 580. The stronger your credit profile, the better the rate and terms available to you — but we work with a range of credit situations.
How much do I need for a down payment?
As little as 3.5% down. Depending on your credit score and loan amount, options vary — our team will review your situation and show you the best path.
Can I use this for a primary residence or investment property?
Yes. The P&L program is available for primary residence purchases. We also offer bank statement and DSCR options for investment property financing. Talk to our team about which program fits your specific goal.
Stop Letting Tax Write-Offs Hold You Back
You’ve worked hard to build your business. It’s time your mortgage options matched that effort. Let’s find the right path for you.
Get Pre-Qualified Today
Call 888-668-3559