Your income is real. I know how to prove it.
Most lenders look at your Schedule C or K-1 and panic. I read the real story in your docs.
Overview
Your business does well. Your bank account shows it. But your tax returns tell a different story because your accountant did exactly what they're supposed to do: minimize your taxable income.
The problem is that most lenders read tax returns at face value. They see your adjusted gross income, ignore the context, and tell you that you don't make enough. That's not accurate. It's lazy.
I know how to read the real story. The add-backs for depreciation. The one-time expenses that won't recur. The owner distributions your 1040 doesn't reflect. Your income is real. I know how to prove it to a lender.
What I Look For
How I Handle This
I review your tax returns and business docs. Calculate income the way different lenders would, including add-backs. Then match you with the lender whose calculation method fits your file.
If tax returns don't work at all, we switch to bank statement qualification. I run those numbers too. You see all your options.
Questions I Get
My accountant writes off everything. Can I still qualify?
Probably. That's exactly what add-backs are for. Depreciation, business use of home, vehicle expenses. Many deductions get added back for mortgage qualifying. I know which ones each lender allows.
What's a bank statement loan?
Qualifies you based on 12-24 months of bank deposits instead of tax returns. Your real cash flow, not your AGI. I have a dedicated page with details.
Do I need two years of self-employment?
Most traditional programs do. Bank statement loans may have more flexibility. I tell you where you stand based on your timeline.
Which entity type is best?
No single best. Each one has different documentation and income calculations. I handle all of them.
What if my income declined last year?
Context matters. If the decline was a one-time expense or business cycle, I can document that. If the bank statement path shows stronger current income, we go there.
Self-employed and tired of hearing 'no'?
Send me your last two years of tax returns or your bank statements. I'll calculate both ways and tell you which path works best.