Tailored for Entrepreneurs
Self-employed Florida buyers can explore mortgages that use bank statements or a CPA-prepared Profit & Loss statement when tax returns do not reflect their qualifying cash flow. Quest Mortgage Services compares those options for business owners and freelancers; rental-property investors may also consider DSCR financing based on the property’s income.
Get a Free Mortgage ConsultationBank statement loans — 12 or 24 months
Profit & Loss statement loans
No tax return programs available
Flexible income calculation methods
Competitive rates for self-employed borrowers
Purchase, refinance, and cash-out options
Tell us about your business and we'll match you with the best self-employed program.
Provide bank statements or a P&L — no tax returns needed in most cases.
Get pre-approved quickly with our streamlined process.
Close on your home with a mortgage that works for your unique financial situation.
Eligibility
Self-employed for at least 2 years (1 year case-by-case with prior W-2 history in same field)
Minimum 620 credit score (660+ recommended)
12 or 24 months of bank statements OR a CPA-prepared P&L
Down payment typically 10%–20%
Available for primary, second home, or investment property
Cash reserves of 3–6 months
The Process
We pick the best fit: bank statement, P&L, or DSCR.
Send statements or P&L — no tax returns required.
Soft-pull credit and pre-approval in 48 hours.
Underwriting through closing in roughly 30 days.
FAQ
Conventional lenders rely on tax returns, where business owners typically write off expenses to lower taxable income. That artificially shrinks the income they'll let you qualify with. Our programs use bank deposits or CPA-prepared P&Ls instead.
Bank statement loans suit consistent business deposits. P&L loans suit borrowers whose CPA can prepare a statement. DSCR loans suit pure investors. We recommend the lowest-cost fit at no charge.
Most programs require 2 years of self-employment. We can sometimes use 1 year if you have prior W-2 history in the same field.
Self-employed (non-QM) loans price slightly higher than conventional, but they let you qualify for the loan amount you actually need based on real cash flow — often a much better outcome overall.
Get In Touch
Have a question about buying, refinancing, or which program fits your situation? Reach out for a free consultation — Frank responds personally.
Phone
(305) 299-6995Office
3105 NW 107th Ave, Suite 400-H5, Miami, FL 33172