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Most banks underwrite self-employed borrowers based on taxable income shown after deductions and write-offs. That can make strong business owners look weaker on paper than they really are.
At Lloyd Lending Team, we help entrepreneurs present the full financial picture using the documentation that best reflects how they actually earn.
• Bank Statement Loans — qualify using 12–24 months of deposits
• 1099 Loans — built for contractors and commission earners
• P&L Loans — for business owners with clean bookkeeping
• Asset-Based Qualification — use savings/investments to qualify
• DSCR Loans — qualify rental properties by property cash flow
Complete the Quick Questionnaire
Answer a few questions about your property goals, timeline, and financial profile.
We Match You to the Best Program Path
We review whether bank statements, 1099s, P&L, assets, or DSCR may be the strongest fit.
Get Your Next Steps Fast
A loan specialist will contact you to review options, required docs, and what’s realistically possible.
Question 1: Can I get a mortgage without using tax returns?
In many cases, yes. Depending on your situation, we may be able to use bank statements, 1099s, CPA-prepared P&L statements, assets, or rental income instead of traditional tax-return-based qualification.
Question 2: What if I’ve been self-employed for less than 2 years?
Traditional lenders often require two years, but some entrepreneur-focused programs offer more flexibility. Your prior experience, cash flow, and documentation can matter.
Question 3: Can I qualify with 1099 income?
Yes. Many contractors and commission-based professionals qualify using 1099 income, often paired with bank statements to show consistency.
Question 4: Do I need a large down payment?
Not always. Down payment requirements vary by property type, credit profile, and loan program. We’ll help you identify realistic options based on your goals.
Question 5: What documents should I have ready?
Common items include bank statements, 1099s, P&L statements, asset statements, and basic property details. We’ll tell you exactly what’s needed for your situation.
(Valid for 12 months with no obligation to buy)
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First of all, thank you.
Second of all. High five. ✋
A member of our team will reach out to you shortly, or you can call us directly at (248) 826-1172 to speak with one of our loan experts right away.
Thank you for taking the time to complete this form.
Based on the information provided, we’re unable to proceed with your request at this time.
This does not necessarily mean you won’t qualify in the future. Mortgage guidelines can vary, and eligibility may change depending on updates to your financial profile, credit, property details, or loan requirements.
If you believe your information was entered incorrectly or would like to speak with someone about your options, please contact our team.
Contact LineQuestions? Call us today: (248) 826-1172
