P&L Mortgage Loans for Self-Employed Buyers

P And L Purchase — The P&L (Profit-and-Loss) Mortgage Purchase

What are P&L purchase loans?

P&L mortgages are non-QM loans that use a borrower’s recent profit-and-loss statements—usually 12–24 months, prepared or audited by a CPA—instead of tax returns, W-2s, or bank statements to document income.

Benefits of a P&L Mortgage

True Cash-Flow Recognition

Gross receipts on the P&L capture income that never appears on adjusted-gross-income lines of a tax return.
Streamlined Paperwork

Borrowers avoid gathering K-1s, corporate returns, and year-to-date bank statements—speeding closings for busy business owners.
Property Flexibility

Owner-occupied homes, second homes, and even investment properties can qualify, and loan amounts up to $2.5 million.

Find Out More

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P&L Mortgage Purchase Loans

The P&L (Profit-and-Loss) Mortgage Purchase

Benefits of a P&L Mortgage

Let's Talk Profit-and-Loss Mortgage Purchase