Traditional tax returns don't tell the full story of your income. If you're self-employed, our P&L loan program may allow you to qualify using CPA-prepared profit and loss statements — personal tax returns may not be required for certain programs.
Program availability and qualification requirements vary by lender, occupancy, credit profile, property type, and supporting documentation.
A business owner whose tax returns showed lower net income due to deductions may still qualify using CPA-prepared P&Ls and supporting bank statements, depending on lender guidelines. The loan is based on what the business actually earns — not what's left after tax strategy.
If your tax returns show less income than your business actually generates, a P&L loan may be the solution you've been looking for.
Whether you're a sole proprietor, LLC, S-Corp, or partnership, your CPA-prepared P&L can paint a more accurate picture of your income.
Variable income from project-based work doesn't have to hold you back. Your P&L documents consistent business revenue.
If you run your own operation and receive 1099 income, a P&L loan is designed to reflect how your business actually performs.
Growing a business means reinvesting profits. A P&L loan looks at what your business earns — not just what's left after deductions.
Already own a home but couldn't qualify to refinance with traditional docs? P&L documentation may open that door.
Your CPA maximizes deductions — which is smart tax strategy, but can make your taxable income look lower than your actual cash flow.
We've helped hundreds of self-employed borrowers navigate this process. Here's what to expect.
Tell us about your situation. We'll review your goals, discuss the P&L program requirements, and let you know if you're a strong candidate — no credit pull required to start.
Work with your CPA to prepare 12 or 24 months of profit and loss statements. We'll guide you on exactly what the lender needs and help you gather supporting documents.
Once submitted, we work to get you a clear approval decision quickly. We'll explain every step, answer every question, and keep you informed from application to closing.
We specialize in alternative documentation programs. We understand the challenge — and we have solutions.
Income may be evaluated using your CPA-prepared P&L statements and supporting documentation. Each situation is unique and might be different for you.
Whether you're buying your first home, upgrading, or refinancing, P&L documentation works for both scenarios.
You'll always know where you stand. We respond quickly, explain clearly, and never leave you guessing.
Barrett Financial Group is licensed across the country. Wherever your business takes you, we can help.
You'll work with one point of contact who understands self-employed lending inside and out.
Answers to what self-employed borrowers ask most.
Barrett Financial Group has helped thousands of self-employed borrowers secure home loans when traditional lenders turned them away. We specialize in alternative documentation programs and understand that your tax return is a financial strategy — not an income statement.
Our licensed advisors will review your P&L documentation, walk you through your options, and give you a clear picture of what's possible — with no pressure and no obligation.
"It was a tough journey in getting funding but they pulled it off and helped make our dream of owning the home of our dreams, a reality. If you have special circumstances, self employed, and need someone to stand side by side with you, this is your team! They get it done!"
"As a self-employed borrower, I was worried about navigating the complexities of mortgage approval. John anticipated potential hurdles and proactively addressed them, ensuring a smooth and stress-free experience. He not only explained everything clearly but also offered a wealth of knowledge that put us at ease."
"Highly recommend Team Barrett. Scott was amazing as well as all of his team. They were very understanding and knowledgeable of self employment income. If I could give 10 stars, I would. You won't be disappointed!"
Talk to a licensed advisor who specializes in self-employed lending. Free consultation, no pressure, no obligation.
Request My Free Consultation →No credit pull to get started. Licensed advisors only.