SELF EMPLOYMENT LOANS

Financing That Works the Way Entrepreneurs Earn

Traditional underwriting can punish entrepreneurs—tax-return write-offs shrink qualifying income and standard W-2 formulas simply don’t apply. Our self-employed programs flip the script by focusing on the cash you actually generate.

Bank-statement options average your deposits over the past six to twelve months to prove sustainable income without combing through every line of Schedule C. If you keep detailed books, an accountant-prepared profit-and-loss statement can stand in for returns as well. For investors, DSCR loans qualify the property itself by comparing rent to the proposed payment, so personal debt-to-income ratios stay out of the spotlight. And high-net-worth borrowers can tap asset-depletion calculations, converting balances in brokerage or retirement accounts into usable qualifying income.

Expect loan-to-value ratios up to ninety percent on primary residences, competitive fixed or adjustable rates, and credit score flexibility that acknowledges the ebb and flow of entrepreneurial income. You’ll work directly with me to choose the documentation path that shows your business at its best and to keep underwriting focused on forward-looking cash flow, not tax-planning write-offs.

If you run your own show and want financing that understands how you earn, let’s map out a self-employed strategy that’s as dynamic as your business.