Self-Employed Mortgages
Outside the Box
Bank statement loans, P&L loans and asset-based mortgages for business owners, freelancers, 1099 earners and retirees in Florida. Qualify on the income you really earn, using 12 or 24 months of bank statements instead of tax returns.
One financial picture.
Multiple ways to qualify.
Not every qualified borrower has a simple W-2 income profile. Some earn through businesses, consulting, commissions, investments, or assets. Specialty lending creates paths that reflect how borrowers actually earn, hold wealth, and qualify.
Financing options built for non-traditional borrowers
Foreign nationals often face a different set of lending requirements than U.S. citizens or permanent residents. Some buyers do not have a Social Security number, U.S. credit history, or domestic income documentation. Others are purchasing investment properties where the property’s rental income may help shape the financing path.
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Bank Statement Loans
A flexible alternative for self-employed buyers, entrepreneurs, and business owners who may qualify based on personal or business bank statements instead of traditional W-2 income.
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Profit & Loss Loans
A lending path for business owners and self-employed borrowers who may qualify using profit and loss statements that reflect business income, expenses, and financial performance.
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Asset Depletion Loans
A financing option for borrowers with meaningful assets who may qualify by using eligible assets as a source of income, even when traditional income documentation is limited.
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Bank Statement Loans
For buyers whose income does not fit the standard box
Bank statement loans give self-employed buyers, entrepreneurs, freelancers, and business owners another way to qualify. Instead of relying only on W-2s or tax returns, eligible buyers may use personal or business bank statements to show real cash flow.
Best fit for borrowers who want:
- A home loan path for self-employed income
- Alternative income documentation
- More flexibility than traditional mortgage qualification
- Financing that reflects business cash flow and real earning power
Profit & Loss Loans
For business owners who need income reviewed differently
Profit & loss loans let self-employed borrowers qualify through business performance instead of traditional income documents alone. Lenders may review profit and loss statements to understand revenue, expenses, and net income over a defined period.
Best fit for buyers who want:
- A financing path based on business performance
- Income reviewed through profit and loss statements
- An alternative to traditional tax-return qualification
- Income reviewed through profit and loss statements
Asset Depletion Loans
Asset Depletion Loans
Asset depletion loans create a path for borrowers with significant eligible assets but limited traditional income. Instead of relying only on employment income, lenders may evaluate assets and convert them into qualifying income.
Best fit for borrowers who want:
- A financing path supported by eligible assets
- An option when taxable income does not reflect financial strength
- A loan structure for asset-rich borrowers
- Flexibility for retirees, investors, and borrowers with non-traditional income
Apply today and purchase U.S. property
with confidence
Meet with your personal loan officer to structure the right foreign national financing path for your income, assets, property goals, and U.S. real estate opportunity.
Apply Today and Finance With Confidence
Tell us about your situation and a 4EverLending specialist will reach out to help you find the right path forward — no pressure, just clarity.