Self-Employed? Here's How You Can Buy Without Tax Return Drama
- Michael Belfor
- 4 days ago
- 1 min read
Being your own boss is awesome… until it’s time to qualify for a mortgage.
If you’re self-employed, you already know the drill:
Tax write-offs lower your income. Your actual cash flow doesn’t match your 1040s
Traditional lenders say, “Come back when you’re W-2’d”
But here's the good news: Non-QM loans are built for this exact situation.
These aren’t subprime or sketchy — they’re legit solutions with structure, speed, and flexibility.
Here’s how we help self-employed clients qualify:
✅ Bank statement loans (12–24 months of deposits instead of tax returns)
✅ Asset depletion (use liquid assets to qualify)
✅ 1099-only loans
✅ P&L-only options for select cases
✅ Close in 20–25 days (yep, really)
These programs are helping entrepreneurs, consultants, Airbnb hosts, and small business owners finally stop renting and start building wealth.
Just because your income isn’t “conventional” doesn’t mean your financing can’t be.
If your CPA is great at saving you money on taxes, I’ll help you turn that into a mortgage strategy that actually works.
Want to find out more? Shoot me a message or schedule a time with me here:
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