Business-Purpose Loans for Self-Employed Investors
Investor Income loans let self-employed borrowers qualify for investment properties using bank statements, profit & loss statements, or asset depletion—no tax returns, no W-2s, no traditional income documentation required.
Nationally Licensed Broker • Equal Housing Lender
Why Self-Employed Investors Get Denied
You run a successful business and invest in real estate. You have strong cash flow, healthy bank balances, and real assets. But when you apply for a conventional loan, the lender sees:
- Tax returns that show low net income because you write off everything (as you should)
- Irregular income patterns that don't fit the W-2 mold
- Business expenses, depreciation, and pass-through losses that reduce qualifying income
- Complex entity structures and multiple income sources that confuse traditional underwriting
Conventional underwriting was designed for salaried employees. It penalizes business owners and investors for doing exactly what smart tax planning tells them to do.
Investor Income programs use what actually reflects your financial strength: your bank deposits, your P&L, or your assets.
Three Ways to Qualify
Depending on your situation, one or a combination of these documentation methods may be used to demonstrate your ability to repay.
Bank Statement Loans
Provide 12–24 months of personal or business bank statements. The lender calculates your qualifying income based on average monthly deposits.
- 12 or 24 month statements
- Personal or business accounts
- Expense factor applied to business accounts
- No tax returns required
P&L Statement Loans
A CPA-prepared profit and loss statement serves as your income documentation. Ideal for business owners with strong revenue but complex tax situations.
- CPA-prepared or CPA-audited P&L
- Covers most recent 12 months
- Shows true business profitability
- Can be combined with bank statements
Asset Depletion
Use your liquid assets—investment accounts, savings, retirement funds—to qualify. The lender calculates an implied monthly income from your total eligible assets.
- Stocks, bonds, retirement accounts
- Assets divided over loan term for income
- No employment or business income needed
- Great for retirees and high-net-worth investors
Program Highlights
Business-Purpose Only
These are investment property loans. The property must be non-owner-occupied and held for business purposes (rental, flip, or investment).
Purchase or Refinance
Acquire new investment properties or cash-out refinance existing ones to fund more deals, renovations, or portfolio growth.
Entity Borrowers Welcome
Close in your LLC, LP, or trust. Business-purpose structure means flexible vesting options for your investment entities.
Combine Documentation Types
Some programs allow mixing bank statements with P&L or asset depletion to maximize your qualifying income.
Competitive Rates
Rates vary by documentation type and credit profile, but are competitive with other non-QM business-purpose products.
No Income Limits
Unlike conventional programs, there are no caps on how much income you can derive from these alternative documentation methods.
Who This Is For
- •Self-employed business owners who invest in real estate but show low taxable income due to legitimate business deductions
- •Entrepreneurs and freelancers with strong bank deposits but irregular or non-traditional income patterns
- •High-net-worth individuals with substantial liquid assets who prefer to qualify through asset depletion rather than income documentation
- •Real estate investors who have been denied conventional financing due to write-offs, depreciation, or complex tax returns
- •Retired investors with significant assets but limited traditional employment income who want to continue growing their portfolio
Frequently Asked Questions
Your Income Is Real—Let's Document It the Right Way
Stop losing deals because your tax returns don't tell the full story. Bank statements, P&L, or assets—we'll find the path that works.
NMLS# 2311093 • Equal Housing Lender