Loan Programs Designed for Self-Employed Borrowers

Profit & Loss (P&L) Loans

Qualify with a CPA-prepared P&L statement - no tax returns or W-2s needed

620+ FICO Score (680+ highly recommended)

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Up to $4 million loan amount
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Up to 80% LTV, Up to 50% DTI
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Bank Statement Loans (12 & 24 Month)

Qualify with your bank deposits - no tax returns or W-2s needed

620+ FICO Score (680+ highly recommended)

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Up to $4 million loan amount 
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Up to 90% LTV 
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Borrower must be self-employed for 2+ years (Can make exceptions down to 1 year if borrower is self-employed and in the same line of work for 2+ years)

Asset Depletion Loans

Qualify with your assets instead of traditional income - no job or paycheck required

620+ FICO Score (680+ highly recommended)

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Up to $4 million loan amount 
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Up to 90% LTV, Up to 50% DTI
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1099-Only Loans

Qualify with your 1099s - no tax returns or W-2s needed

620+ FICO Score (680+ highly recommended)

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Up to $4 million loan amount 
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Up to 90% LTV
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Borrower must be self-employed for 2+ years

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