Mortgage Loans for Business Owners — Franchise, eCommerce, Restaurant, Consultant
Get Pre-QualifiedYou built a successful business. The tax code rewards you for it — which means your income looks lower on paper than it really is. Bank statement loans, P&L loans, and asset depletion are three paths to qualification we use for business owners. We find which one gets you the most house.
Bank Statement Income Calculator
Expense ratio
Custom:
50%
Qualifying Monthly Income: $0
Qualifying Annual Income: $0
Maximum Monthly Payment (45% DTI): $0
Estimated Maximum Loan Amount: $0
This calculator provides estimates only. Actual qualifying income and loan amounts are determined by the lender. Not a commitment to lend.
Business Owner Mortgage FAQs
What if my taxable income is low but deposits are high?
That is exactly what bank statement and business-owner programs are designed to address — qualifying from cash flow, not tax return net alone.
Can I use business bank statements only?
Often yes — documentation requirements depend on ownership structure and how income is deposited.
What documentation will I need?
Expect 12–24 months of statements, business documentation, and sometimes a P&L or CPA letter depending on the path we choose.