Self-Employed Loans Washington Oregon Arizona Idaho Montana Nevada
Professional financing solutions designed for entrepreneurs, business owners, and self-employed professionals with flexible income verification methods.
Self-Employed
Traditional mortgage applications often fail to capture the true financial strength of successful entrepreneurs. Our premium self-employed loan programs utilize sophisticated alternative income verification methods, including bank statement analysis, asset-based lending, and profit & loss statement programs. With over 35 years of professional-level experience, Ron Thomas understands the complex financial landscapes of business owners and provides bespoke solutions for sophisticated borrowers.
Premium Advantages
Bank Statement Verification
Sophisticated analysis of 12-24 months of bank statements for accurate income assessment without traditional tax return requirements.
Asset-Based Lending
Qualify based on your substantial asset portfolio rather than conventional income documentation methods.
P&L Statement Programs
Utilize current CPA-prepared profit & loss statements to demonstrate business performance and cash flow strength.
Expedited Processing
Streamlined underwriting process specifically designed for sophisticated self-employed borrowers.
Flexible Guidelines
Accommodating qualification standards that recognize the unique financial profiles of successful business owners.
Business Expertise
Specialized knowledge and experience with complex self-employed financial situations and documentation.
Self-Employed Loan Programs
Choose from our sophisticated financing solutions designed for different business scenarios
Bank Statement Loans
Perfect for established business owners who prefer streamlined documentation. Uses sophisticated bank deposit analysis to calculate qualifying income.
- 12 or 24-month bank statement options
- Personal and business accounts accepted
- Competitive premium rates
- Purchase and refinance available
Asset Depletion Loans
Ideal for high-net-worth individuals with substantial assets but variable income. Qualifying income calculated based on comprehensive asset portfolio.
- Stocks, bonds, and investment portfolios
- Retirement accounts (401k, IRA, etc.)
- Real estate investment properties
- Business assets and equipment
P&L Statement Programs
Utilizes current CPA-prepared financial statements to demonstrate business income and operational stability for sophisticated borrowers.
- CPA-prepared financial statements
- Current year income documentation
- Business bank statement verification
- Flexible debt-to-income considerations
DSCR Investment Loans
Debt Service Coverage Ratio loans for sophisticated real estate investors. Qualification based on property cash flow analysis rather than personal income.
- No personal income verification required
- Property cash flow analysis
- Investment property financing
- Portfolio lending solutions
Self-Employed Qualification Standards
Our programs are designed for successful business owners and entrepreneurs
Business History
Established business operations preferred
Contact us to discuss your business timeline and qualifications
Income Documentation
Alternative verification methods available
Contact us for personalized documentation options
Credit Guidelines
Flexible standards for business owners
Contact us for detailed qualification criteria
Down Payment
Competitive options available
Contact us for specific program requirements
Asset Requirements
Reserves and assets may be required
Contact us for detailed asset guidelines
Property Types
Primary, secondary, and investment properties
Contact us for property eligibility details
Ready to Explore Self-Employed Options?
Every business situation is unique. Contact Ron Thomas for a personalized consultation and detailed program information tailored to your success.
Trusted by Business Leaders
Ready for Self-Employed Financing?
Let Ron Thomas guide you through premium loan programs designed exclusively for successful business owners and entrepreneurs