Buying a Home When You Are Self-Employed

Traditional underwriting uses your net income after deductions, which is why many successful business owners are told they do not qualify. That answer is usually about documentation, not ability to pay.

Bank statement programs qualify you on twelve or twenty-four months of deposits instead of tax returns. Investors can use DSCR programs where the property's rent supports the loan.

Plan ahead where you can: keep business and personal accounts separate, avoid large unsourced deposits in the months before applying, and let me review your returns before your CPA finalizes them.

Bring me your numbers and we will find the program that reflects what your business actually earns.