Your Tax Return Doesn’t Tell Your Whole Story
If you run your own business, you know the frustration: your write-offs make your taxable income look small — but your actual cash flow tells a completely different story. At Jhenesis Mortgage, we work with the real numbers. Qualify using bank statements, 1099s, or a P&L. No tax returns required.
Traditional Lending Wasn’t Built for You
Conventional loans are designed for W-2 employees with predictable, easy-to-document income. But that’s not how business ownership works — and that’s exactly why non-QM programs exist.
We Look at Cash Flow, Not Write-Offs
Your CPA’s job is to minimize your taxable income. Our job is to show lenders what you actually bring in — and there’s a big difference.
Multiple Qualification Paths
Bank statements, 1099s, CPA-prepared P&L — we match you to the program that shows your income in the best light.
One Broker. Every Angle Covered.
As a dual-licensed Realtor and Mortgage Broker, I can coordinate both the property and the loan — fewer delays, less back-and-forth.
From Freelancers to 8-Figure Businesses
Sole proprietors, LLC owners, S-Corp shareholders, gig workers — we’ve seen it all. Loan amounts from $150K to $4M.
I moved to the U.S. from Jamaica and watched the 2008 crash up close. I know what it means to build financial security in a system that wasn’t designed for you. That’s why I specialize in the borrowers most lenders turn away — self-employed, ITIN holders, foreign nationals — and I find paths where others see walls.
Find the Program That Fits How You Earn
Each program below is designed to document income the way self-employed borrowers actually have it — not the way banks wish you did.
Bank Statement Mortgage
Most Popular for Self-EmployedQualify using 12 or 24 months of personal or business bank statements. Lenders calculate a monthly average based on your total deposits and apply an expense factor to arrive at your qualifying income — no tax returns, no W-2s, no employment verification hassle.
What’s Allowed
- Personal or business bank statements accepted
- Purchase, refinance, cash-out, and delayed financing
- Owner-occupied, second homes, and investment properties
- 2-year self-employment history required
- Condos, SFR, 2–4 units, and non-warrantable condos
- Bankruptcy, foreclosure, short sale OK (seasoning applies)
- Interest-only options available
- Gift funds accepted for down payment
Bank Statement HELOC
Tap Your Equity Without Tax ReturnsHave equity in your home but your tax returns don’t support a traditional HELOC? Our bank statement HELOC lets you qualify using business statements. Access a revolving credit line with an interest-only draw period — use funds for anything, no restrictions.
What’s Allowed
- Business bank statements for income verification
- No restrictions on fund use
- Owner-occupied, second homes, and investment properties
- Interest-only during draw period
- Revolving access — draw, repay, draw again
- Great for business capital, renovations, or investment leverage
- Paired with existing mortgage (CLTV calculation applies)
1099 Income Loan
For Freelancers & ContractorsIf you receive 1099s rather than W-2s, this program was built for you. Use one or two years of 1099s plus year-to-date earnings to qualify. Ideal for independent contractors, consultants, and gig workers who work consistently but don’t fit the traditional W-2 mold.
What’s Allowed
- 1 or 2 years of 1099s accepted
- YTD earnings statement required for current year
- Purchase, refinance, cash-out, delayed financing
- Owner-occupied, second homes, and investment properties
- Must be in same field for 2+ years
- 1099s must be in personal name (not entity)
- Condos, SFR, 2–4 units eligible
Profit & Loss Loan
CPA Statement · No Bank Statements Required Under 70% LTVQualify using a CPA-prepared profit and loss statement instead of tax returns. At LTVs of 70% or below, no bank statements are required. A clean option for established business owners who maintain accurate financial records but prefer not to share extensive banking history.
What’s Allowed
- CPA or licensed accountant prepared P&L required
- No bank statements if LTV is 70% or below
- 1-year or 2-year P&L options
- Purchase, refinance, cash-out, delayed financing
- Owner-occupied, second homes, and investment properties
- Great for established business owners with clean records
- Condos, SFR, 2–4 units eligible
See What Lenders Will Actually Count
This calculator estimates your qualifying income the way non-QM lenders calculate it — based on average deposits minus an expense factor. It’s a starting point, not a guarantee. Call us to run your real numbers.
📞 407-630-9766This estimate uses a simplified lender formula. Actual qualifying income depends on the lender, program, and complete file review. Results are not a loan commitment or approval.
Answers for the Self-Employed Borrower
The questions I get most often — answered plainly, without the mortgage jargon.
Every self-employed situation is different. Let’s review your actual bank statements or financials and give you a real picture of what you qualify for.
📞 407-630-9766Let’s Find Your Number
You’ve spent years building your business. You deserve a lender who understands how that income actually works — and knows how to present it to get you approved. Fill out the form and I’ll reach out within one business day.