Self-Employed Mortgage Solutions
Your tax returns don't tell the full story. Bank statement loans, DSCR, and asset-based programs let your real income shine.
Overview
Self-employed professionals and freelancers face a unique challenge: the tax strategies that help you minimize taxes also reduce the income traditional lenders see. Bank statement loans, DSCR programs, and asset depletion mortgages solve this by using your real financial picture — deposits, property cash flow, or liquid assets — instead of tax return AGI. Airus Lending specializes in self-employed lending and understands how to structure your application for the best result.
Common Challenges
Here's what often makes financing harder — and how we solve it.
Tax Return Income Gap
Write-offs reduce taxable income, making it look like you earn less than you do.
Business Expense Fluctuations
Variable expenses create uneven income that traditional underwriting struggles with.
Multiple Income Streams
Managing income from contracts, projects, and businesses complicates documentation.
2-Year History Required
Most programs need 2 years of self-employment — newer businesses may require alternative approaches.
CPA Dependency
You may need CPA letters or P&L statements that align with your bank deposits.
Recommended Programs
Loan programs designed for your situation.
Bank Statement Loans
Use 12–24 months of bank deposits as income.
Learn more →12-Month Bank Statement
Shorter documentation with recent deposits.
Learn more →DSCR Loans
Investment property? Qualify on rental cash flow.
Learn more →Asset Depletion
Use liquid assets instead of income docs.
Learn more →Non-QM Loans
Flexible lending for unique situations.
Learn more →Qualification Tips
Keep business and personal bank accounts separate for cleaner documentation.
Avoid large, unexplained deposits during the loan process — consistency is key.
Work with your CPA to prepare a profit & loss statement that aligns with your deposits.
Maintain strong credit scores — 680+ opens the best self-employed loan programs.
Document your self-employment history with business licenses, letters, or tax transcripts.
How to Get Started
Your path to homeownership — simplified.
Consultation
We review your bank statements, assets, and goals to identify the right program.
Pre-Approval
Get qualified using bank deposits or assets — no tax return surprises.
Application & Close
Streamlined docs and experienced processing through to closing.
Frequently Asked Questions
Both are accepted. Business statements typically have a 50% expense factor applied; personal statements are counted at a higher percentage.