Self-Employed Buyers

Your write-offs saved you taxes. Now they're hiding your income.

Self-employed doesn't mean unloanable — it means the paperwork works differently. Nic bought houses on flip income; he knows both sides of this file.

See what you're likely eligible for

How it works

Look at the real numbers

Tax returns AND bank deposits — Nic figures out which route gets you further.

Pick the documentation path

Full-doc, bank-statement, or wait-one-more-tax-year: an honest comparison, costs included.

Package the file right

Self-employed files die from sloppy paperwork, not weak income. Yours goes in organized.

Close like anyone else

Same house, same closing table — the difference was all in the preparation.

Quick requirements

Business owners, 1099 contractors, gig workers, and anyone whose tax return understates how well they're actually doing.

✓ The classic route: two years of tax returns — qualifying income is what's on paper after write-offs✓ Bank-statement programs qualify you on deposits instead of tax returns when write-offs shrink the picture✓ 12–24 months of steady or growing self-employment history✓ Planning ahead pays: the year before you buy, weigh each write-off against the buying power it costs✓ Business and personal finances kept separate make underwriting dramatically smoother

General guidelines, not a loan offer — programs and terms depend on your full picture.

Your write-offs saved you taxes. Now they're hiding your income.

How it works

Quick requirements

Ready for real numbers?