Mortgage programs for small business owners

Get qualified on deposits, not deductions

Lenders average 12 or 24 months of personal or business bank statements to build your qualifying income.

• 12 or 24 month statement options
• Personal or business accounts
• No tax returns used to calculate income
• Primary, second home, or investment

Contractor and commission income, simplified

Qualify using 1099 forms, ideal for independent contractors, real estate agents, consultants, and freelancers.

• Qualify straight from your 1099s
• A set expense ratio, not your full Schedule C
• Great for agents, consultants, and creators
• W-2 plus 1099 combinations welcome

A CPA-prepared P&L can be enough

Established business owners can qualify on a profit and loss statement prepared by a CPA or tax preparer.

• Qualify on a P&L, often without full returns
• A clean path for established businesses
• 12 or 24 month P&L options
• Some lenders pair it with limited statements

Buy rentals on the property's cash flow

Debt service coverage ratio loans qualify you on a rental's income, not your personal tax returns.

• No personal income documentation
• Long-term or short-term rentals
• Take title in an LLC (lender dependent)
• Purchase, refinance, or cash-out

Let your liquid assets do the qualifying

Asset depletion loans turn eligible savings, investments, or retirement funds into qualifying income.

• Good for business sellers and retirees
• Uses eligible liquid assets
• Can pair with other income
• Primary, second home, or investment

Tell us how you get paid

Answer a few questions and a loan officer will match you to the right program, or tell you if a conventional loan would price better.