P&L loans

Ideal for self-employed borrowers who take a lot of deductions at tax time

Qualify your borrower based on the strength of their business with a Profit & Loss Statement


Qualifying income is the net income from the P&L divided by the time period covered (12 months). Must be CPA, CTEC, PTIN, or EA compiled.

  • 12-months - Must be CPA, CTEC, PTIN, or EA compiled.
  • 660 Min. FICO
  • Max DTI 50% at 75% LTV (Platinum)
  • Max DTI 55% at 80% LTV (Gold)
  • Loan Amount Up to $3.5MM
  • Interest-Only Available for repeat homebuyers
  • Primary, Second Home & Investment
  • First Time Homebuyers welcome!

See product matrix for more details.


P&L Loans

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