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P&L Loan

For Self-Employed borrowers with Profit and Loss statements. No bank statements required.

  • Loans up to $3 million with a minimum of $150,000
  • Purchase and cash-out or rate-term refinance
  • Owner-occupied, second homes, and investment properties
  • Prepared by CPA/Tax preparer
  • Requires 2 months of business bank statements with deposits supporting gross receipts within 15%
  • Two years' seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu

Min Fico


(Up to 75% LTV)



(Minimum 660 FICO)

We offer 1-year and 2-year Profit & Loss Statement loans tailored for self-employed individuals. These loans allow borrowers to use their business’s Profit & Loss (P&L) statement to qualify, bypassing traditional income verification. 


Can you get a mortgage with P&L Statements?
Yes, self employed borrowers who own their own business can use P&L statements to qualify for a loan. This loan option helps those who cannot verify income based on tax returns.

What is the benefit to originators who use non-QM loan products?

Originators who utilize non-QM offer a service that their competition may not offer. They become an expert and go-to for the non-QM borrower. The benefit is increased referrals and business growth despite changes in the market. Continue to increase your volume each year regardless of fluctuating interest rates, tighter Agency guidelines, and a slowing refinance market.

Additional Program Options

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