Self-Employed · Business Owners · Ohio · Kentucky

Self-employed mortgages, structured right.

Self-employed borrowers, business owners with multiple LLCs, K-1 partners, commission-heavy earners—these aren't edge cases for us. They're our specialty. With ten years of underwriting experience and over ten more originating, we know how to structure complex income files so they close.

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Our Specialty

Files that other brokers punt on.

If you're self-employed, you've probably heard "we'll take a look" only to find out three weeks later that the lender doesn't actually do your situation. Or worse, you got pre-approved, found the house, then had the underwriter decline you at the last step because nobody read your tax returns closely enough up front.

We start with your tax returns, your K-1s, your profit-and-loss statements—the documents underwriters actually use. We understand add-backs (depreciation, business use of home, mileage), how to handle Schedule C income, when multiple LLCs help vs. hurt your DTI, and which wholesale lenders structure self-employed files cleanly versus which ones will torture you for 60 days before declining.

That matters because self-employed underwriting isn't really about "can you afford it"—it's about whether your lender uses guidelines that fit your specific income picture. Pick wrong and your file dies. Pick right and your file flies.

Self-Employed Options

Different income, different program.

Self-employed borrowers usually have multiple paths. The right one depends on your tax returns and income stability.

No. 01

Conventional Self-Employed

If your 2-year average self-employment income is strong on tax returns, a standard conventional loan is often the most competitive option. We'll help structure add-backs and stability analysis to maximize qualifying income.

No. 02

Bank Statement Loans

For self-employed borrowers whose tax-return income doesn't tell the full story (legitimate write-offs reducing AGI), bank statement programs qualify based on 12 or 24 months of business deposits. Rates are higher than conventional but doors open.

No. 03

Asset-Based & Non-QM

For high-net-worth borrowers with significant assets but limited W-2 income, asset-based programs qualify you based on liquid assets. Non-QM lenders offer creative solutions when standard guidelines don't fit.

Common Questions

Self-employed mortgage questions.

Can I qualify for a mortgage if I write off most of my self-employment income?+

Often yes—but with the right program. Conventional lenders use net income after write-offs, which limits how much income counts. Bank statement programs ignore tax-return write-offs and qualify based on actual business deposits, often allowing significantly more qualifying income.

How many years of self-employment income do I need?+

Most programs want two years of self-employment history. Some allow one year if you have strong related work experience or business documentation. We'll help you find a lender whose guidelines match your timeline.

What if I have multiple LLCs or business entities?+

This is common for self-employed clients and we handle it regularly. We know how to consolidate income, allocate ownership percentages, and present a clean picture to underwriters. Files with 2, 3, or 4 entities are routine for us.

Are bank statement loan rates much higher than conventional?+

Typically 0.5% to 1.25% higher than conventional, depending on credit, down payment, and lender. The trade-off is significantly higher qualifying income for self-employed borrowers. We'll run both scenarios so you can compare honestly.

Complex files, welcome.

Send us your tax returns. We'll tell you in plain English what you qualify for and which program fits—no surprises later in underwriting.

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