How It Works

We look at the money coming into your bank account each month and use that to calculate your income. Here’s what you’ll need to provide:

• 12 to 24 months of bank statements from the same personal or business account

• A simple form to show your business expenses, or a letter from your CPA if available

• Proof you’ve been self-employed for at least two years (sometimes one year is okay for licensed professionals)

No tax returns or IRS forms required.

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Who This Is For

This program is ideal for:

• Business owners, freelancers, or 1099 workers

• People who make steady income but write off a lot of expenses on their taxes

• Buyers and investors who need more flexible guidelines

You’ll need to own at least 25% of the business bringing in the income and have decent credit (typically in the mid-600s or higher).

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What Lenders Look For

These are general guidelines and may vary depending on the lender and your situation.

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Property Types That Qualify

• Single-family homes, townhomes, and condos (must meet standard condo rules)

• 2 to 4 unit residential properties

• Vacation homes and investment properties

Some properties, like manufactured homes or condotels, typically don’t qualify.

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Why People Choose This Loan

• You don’t need to show tax returns

• It’s based on actual money coming into your account

• You can qualify for homes that a traditional loan might not allow

• Great for both purchases and refinances

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Let’s See What You Qualify For

If you’re self-employed and want to buy or refinance a home, let’s talk. Just upload your bank statements and we’ll walk you through your options.

You’ll get a clear estimate, no surprises, and a plan to move forward confidently.

All loans are subject to credit approval, property eligibility, and underwriting review. This is not a commitment to lend, and guidelines can change based on the market.