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Loan Program
Self-Employed Investor Programs
Flexible income documentation built for 1099s, K-1s, and multiple businesses — no two-year, single-source tax return story required.
⏱ Takes 2 minutes Free, no obligation We respond within 1 business day
Self-employed investor programs qualify your deal using 1099s, K-1s, P&L statements, or bank deposits instead of a standard two-year tax return history — built around how business owners actually get paid.
Program Highlights
Built around how you actually get paid.
Flexibility
3 Documentation Paths
1099-only, P&L-only, or bank statement qualification — we pick whichever produces the strongest number for your deal.
Taxes
Zero W-2s Required
None of our self-employed programs require a W-2 or a standard two-year single-employer income history.
Structure
Multiple Income Streams Welcome
Several businesses, 1099 contracts, or K-1 partnerships can all be considered together, not evaluated in isolation.
Who This Program Fits
Business owners with multiple income streams, 1099 contractors, consultants, and investors whose K-1s or commingled accounts make a clean conventional file hard to document.
FAQ
Self-employed investor questions.
I have multiple businesses and income streams — can you still qualify me?
Yes, that's exactly what these programs are built for — we combine or select the documentation path that produces the strongest qualifying number.
What if my K-1 shows a loss because of depreciation or write-offs?
We can often work around paper losses using bank statement or asset-based qualification instead of the K-1 figure alone.
Do I need two years of tax returns?
Not necessarily — 1099-only and P&L-only programs can skip tax returns for the income calculation entirely.
Is this more expensive than a conventional loan?
Pricing is typically somewhat higher to reflect the alternative documentation, but for most self-employed investors it's the only path to the loan amount that matches real income.
Program details last reviewed October 21, 2026.
Contact
Tell us about the deal.
Send the basics and we'll come back with what it'll take to fund it — usually within one business day.
- Phone
- 919‑395‑2411
- Office
- Raleigh, NC · Lending Nationwide
- Hours
- Mon–Fri, 8:00 AM–6:00 PM ET
Application
Ready when you are.
A few quick questions about the deal — no SSN, no documents, no commitment yet. Just enough for us to tell you what it'll take to fund it.
- ⏱ Takes 2 minutes
- 🔒 Free, no obligation
- 📞 We respond within 1 business day