1099
DENIED (tax write-offs) → QUALIFIED ✓

Tax Returns Bank Statements. Your Loan.

You built your own income — the bank shouldn't penalize you for it. Our bank statement and 1099 programs qualify you on real cash flow, not what the IRS sees after write-offs.

Self-Employed 1099 Earners LLC Owners Realtors Contractors Truckers Gig Workers Commission Entrepreneurs Creators
Analyze My Opportunity → 📞 Talk to a Lender
Bank Statement & 1099 Pre-Qualification
Analyze My Opportunity
No tax returns. No W-2s. Response within 1 hour.
🚀

You're In. We'll Be In Touch.

Our self-employed lending specialist will review your scenario and reach out within 1 business hour.

No hard credit pull. No tax returns required. Confidential.

The Problem
Banks Penalize You for Write-Offs
❌ Traditional Mortgage
  • 🚫Requires 2 years of tax returns
  • 🚫Penalizes you for every legitimate deduction
  • 🚫Calculates income on your NET — after write-offs crush it
  • 🚫Forces W-2 employment verification
  • 🚫"Denied" — even though your bank account is healthy
✓ Bank Statement / 1099 Program
  • ✅12–24 months of bank statements only
  • ✅Income calculated on deposits — not tax returns
  • ✅1099 income accepted as qualifying income
  • ✅Investment and owner-occupied properties
  • ✅Approved based on your actual cash flow
Who We Work With
Built for the Self-Made
🔨
Contractors
General contractors, trades, and construction pros on 1099.
🏡
Realtors
Commission income fluctuates — banks hate it. We don't.
🚛
Truckers
Owner-operators and independent drivers with strong cash flow.
💻
Entrepreneurs
LLC/S-Corp owners who take distributions, not W-2 salaries.
📱
Creators
Influencers, YouTubers, and content professionals with inconsistent income.
🎯
Commission Earners
Sales pros, insurance agents, and finance professionals.
🚗
Gig Workers
Rideshare, delivery, marketplace workers with strong deposits.
⚕️
Self-Employed Pros
Doctors, attorneys, consultants, and licensed professionals.
How It Works
How It Works
01

Submit Your Scenario

Tell us your income type, loan purpose, and amount. No tax returns at this stage.

02

Bank Statement Review

We analyze 12–24 months of deposits to calculate your qualifying income — not the IRS version.

03

Loan Options Presented

Get clear rate, term, and LTV options based on your real income picture. No fluff.

04

Close Your Loan

Fund your purchase or refinance without jumping through conventional hoops.

Program Details
Documentation
12–24 Months
Bank statements or 1099s
Loan Amounts
$150K – $3M+
Primary, investment, second home
Min Credit Score
620+
660+ preferred for best rates
Max LTV
Up to 85%
Select programs on primary purchase
No Bank Statements Needed
P&L-Only Financing

On select programs, qualifying borrowers can use a profit & loss statement prepared and signed by an eligible tax professional — no bank statements and no tax returns required.

📊
P&L Prepared by a Tax Pro
Eligible tax professional prepares and signs your profit & loss statement — no bank statements required on qualifying programs.
🏠
Up to 85% LTV
Select programs allow financing up to 85% loan-to-value for qualifying borrowers and properties.
💰
Loan Amounts to ~$3M
Program availability up to approximately $3M on qualifying P&L-only scenarios.
🤝
W-2 Co-Borrower Allowed
Select programs permit a W-2 co-borrower's income to be considered alongside the P&L.
🎁
Gift Funds Permitted
Gift funds may be eligible for down payment or reserves on qualifying programs.
🏘️
Primary, Second Home & Investment
SFR, condo, and 2–4 unit properties across primary residence, second home, and investment occupancy types.
📈
Interest-Only & Second-Lien Options
Interest-only structures and second-lien options available on select P&L programs.
✅
Min. Credit ~660
Approximately 660 minimum credit score on applicable programs; cash-out proceeds may be eligible toward reserves.
Analyze My Opportunity →

You Earned It.
Now Finance It.

Stop letting your write-offs block your next property. Submit your scenario and find out exactly what you qualify for — no tax returns, no judgment.

Analyze My Opportunity — Free → 📞 480.450.6771