Self-Employed Mortgage: Tailored Home Loans with Fund Finders
Being self-employed comes with freedom—and unique financial challenges, especially when it comes to securing a mortgage. Traditional lenders often demand tax returns and rigid documentation that don’t fit the reality of business ownership. Fund Finders changes that with Self-Employed Mortgage programs, offering residential home loans up to $4 million for purchases or refinances—no tax returns required. With eight specialized options, we’ve got a solution for every entrepreneur, investor, and non-traditional borrower.
Why a Fund Finders Self-Employed Mortgage?
Our mortgage programs are built from the ground up for self-employed individuals who might not check every box for conventional loans. Whether you’re buying your dream home, refinancing to lower your rate, or tapping into equity, Fund Finders offers flexibility and competitive terms that honor your business success—without the red tape.
Here’s how we make homeownership accessible:
Our Self-Employed Mortgage Programs
1. Bank Statement Loan
Perfect for business owners with strong cash flow but unconventional income records.
- Qualification: 12 or 24 months of personal or business bank statements.
- FICO: 580+.
- Loan-to-Value (LTV): Up to 90%.
- Terms: 30-year fixed or adjustable-rate mortgage (ARM) options.
- Loan Amounts: Up to $4 million.
- Eligibility: 12 months post-bankruptcy or foreclosure.
- Why It Works: Your bank statements tell your financial story—no tax returns needed.
2. Investment Property Loan
Ideal for real estate investors relying on rental income rather than personal earnings.
- Qualification: Based on property rental income—no employment or income docs required.
- FICO: 599+.
- LTV: Up to 80%.
- Terms: 30-year fixed or ARM.
- Loan Amounts: Up to $3 million.
- Features: Debt Service Coverage Ratio (DSCR) as low as 0, cash-out for reserves, open to non-permanent residents.
- Why It Works: Invest without proving personal income—your property does the talking.
3. P&L Program
For those with solid profits but minimal paperwork.
- Qualification: Profit & Loss (P&L) statement from a licensed CPA—no bank statements.
- FICO: 580+.
- LTV: Up to 85% (2-year P&L) or 80% (1-year P&L).
- Terms: 30-year fixed or ARM.
- Debt-to-Income (DTI): 55% max.
- Loan Amounts: Up to $4 million.
- Why It Works: Simple, CPA-backed qualification keeps it hassle-free.
4. Fix N Flip Loan
A must for investors flipping residential properties.
- LTV: Up to 90%, plus 100% renovation costs.
- Terms: Interest-only, 12–24 months.
- Features: Fully amortized—interest stops when paid off.
- Why It Works: Fund the purchase and rehab, then profit without long-term commitment.
5. 1099/WVOE Program
For 1099 contractors or those with employer verification.
- Qualification: 1099 income or Written Verification of Employment (FNMA Form 1005, 2-year history).
- FICO: 580+.
- LTV: Up to 90% (1099) or 80% (WVOE).
- Loan Amounts: Up to $4 million.
- DTI: 55% max.
- Features: Cash-out available.
- Why It Works: Uses your contract work or employer confirmation—no tax hassle.
6. Non-Permanent Resident Program
Home loans for non-U.S. citizens living in the States.
- FICO: 620+.
- LTV: Up to 90%.
- Terms: 30-year fixed or ARM.
- Features: Bank statements allowed.
- Why It Works: Opens doors for non-residents with flexible proof options.
7. Foreign National Program
For overseas borrowers investing in U.S. properties.
- Qualification: CPA letter (2 years + YTD), bank reference, overseas assets, gift funds.
- FICO: None required.
- LTV: Up to 80%.
- Loan Amounts: Up to $3 million.
- Terms: 30-year fixed or ARM.
- Features: DSCR as low as 0, cash-out available.
- Why It Works: No U.S. credit needed—global assets count.
8. Asset Utilization Home Loan
Leverage your wealth to qualify.
- FICO: 580+.
- LTV: Up to 80% (75% for cash-out).
- Assets: 100% of savings/checking, 90% securities, 70% retirement.
- Features: Cash-out available.
- Why It Works: Your financial portfolio proves your worth—no income docs required.
Bonus: Commercial Property Loans
For self-employed owners eyeing commercial real estate.
- LTV: Up to 80%.
- Terms: 25–30 years.
- Features: No business tax returns, no sourcing/seasoning of funds, “full doc” or “no doc” options.
- Property Types: Owner-occupied, investment, mixed-use, warehouses, retail, apartments, offices.
- Why It Works: Commercial financing without the usual hurdles.
Real Solutions for Real Business Owners
Take Sarah, a freelance consultant with a 1099 income of $150,000 annually. Traditional lenders rejected her for lacking W-2s, but Fund Finders’ 1099 Program got her a $500,000 mortgage at 90% LTV—cash out included for renovations. Or consider Miguel, a non-permanent resident who financed a $1.2 million home with bank statements, no tax returns needed.
Whether you’re flipping a fixer-upper, buying a rental property, or securing your family’s forever home, Fund Finders has a program that fits. With loan amounts up to $4 million, FICO scores as low as 580, and LTVs up to 90%, we’ve redefined what’s possible for self-employed borrowers.
Why Fund Finders?
Traditional mortgages weren’t built for the self-employed—they demand paystubs and tax returns that don’t reflect your reality. Fund Finders flips the script with eight innovative programs that prioritize flexibility over formality. From bank statements to P&L statements, rental income to overseas assets, we focus on what proves your strength—letting you purchase or refinance with ease.
Ready to own your future? Whether it’s a residential dream home or a commercial empire, Fund Finders’ Self-Employed Mortgage options—up to $4 million with 30-year terms—make it happen. Apply Today and discover financing that works as hard as you do.
