Self-Employed Lending Specialist

Are Tax Deductions Killing Your Loan Application? Not Any More!

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John Doe
Designer
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John Doe
Designer
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John Doe
Designer
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John Doe
Designer
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John Doe
Designer

You Built a Successful Business -
Now Get the Mortgage You Deserve.

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Why Entrepreneurs Love Us

✓ We Speak Your Language – No explaining your business structure to confused underwriters who’ve only seen W-2s

✓ Fast Pre-Approval – Get pre-approved in fast so you can make strong offers

✓ Flexible Documentation – Multiple ways to prove income—we find the path that works for your situation

✓ Loan Amounts Up to $5M+ – For qualified borrowers with sufficient equity or down payment

✓ Purchase, Refinance, or Cash-Out – Whatever your goal, we have a program that fits

✓ Competitive Rates – Alternative documentation doesn’t mean sky-high rates

✓ Flexible Prepayment Penalties – On most programs

Real Life Scenarios

Recent Closing: $2.5M Investment Property Purchase + Cash-Out Refinance (No Tax Returns). 

The Challenge: Self-employed borrower wanted to purchase a $2.5M condominium but didn’t have tax returns showing sufficient income. Also needed down payment funds.

The Solution: ✓ Purchase Loan: Investment loan using future rents at 75% LTV ($1,875,000 loan amount)

  • No personal income verification required
  • Property qualified based on rental cash flow

✓ Down Payment Source: Cash-out refinance on second property

  • Using Business P&L (no tax returns)
  • Refinance proceeds funded the condo purchase

✓ Borrower Profile: 660 FICO score, self-employed

✓ Execution: Two separate loan programs, one bank, coordinated closing

Outcome: Client acquired $2.5M property without traditional income documentation and used existing real estate equity to fund the purchase

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