Your tax write-offs shouldn't cost you your dream home.
Bank statement, 1099, and P&L programs that qualify you on real income — not adjusted-down taxable income.
Smart entrepreneurs minimize their taxable income. Traditional underwriting punishes you for it. We work with lenders who understand small business and look at deposits, gross revenue, or your CPA-prepared P&L instead.
- Down payments from 10%.
- Loan amounts up to $3M+.
- Credit scores from 620.
- Both purchase and refinance.
- Investor variants available — bank statements + DSCR.
- No tax returns required on many programs.
Personal or business statements — we average deposits to establish qualifying income.
A CPA-prepared profit & loss statement is enough for many programs.
Use your gross 1099s, not your Schedule C net, to qualify for more.
Good to know
Most programs use 12 or 24 months. The longer the history, the better the rate typically.
Either works. If you mix, we'll help structure the application for the strongest outcome.
Slightly — usually 0.5%–1.5% above conventional. We'll show you the trade-off in dollars, not just percentages.
Let's talk about your next move.
Whether you're buying your first home, refinancing, or building a portfolio — start with a no-pressure conversation.