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Non-QM Loans → P&L Statement Loans
P&L Statement Loans
Qualify using a CPA-prepared profit and loss statement. Ideal for self-employed borrowers with strong businesses.
CPA-Prepared P&L Statement
Your CPA or accountant prepares a profit and loss statement that reflects your true business income. This gives a clearer picture of your earning potential than tax returns alone.
Key Benefits
Alternative Documentation
Use P&L instead of traditional tax returns
CPA Verification
Professional verification adds credibility
True Income Picture
Shows actual business profitability
Competitive Rates
Attractive rates for qualified borrowers
Ideal For
- -Self-employed business owners with 2+ years in business
- -Entrepreneurs with growing businesses
- -Professionals with significant write-offs
- -Those who prefer CPA verification over bank statements
Requirements
- -CPA or licensed accountant prepared P&L statement
- -Minimum 2 years self-employed
- -Business license verification
- -Credit score requirements vary by program