P&L Loans for Self-Employed Borrowers

Qualify with Your Profit & Loss Statement, No Tax Returns Required

Are you self-employed, a business owner, freelancer, or independent contractor or commission-based professional? A P&L (Profit & Loss) Loan allows you to qualify for a mortgage using a professionally prepared Profit & Loss statement instead of traditional tax returns. This flexible Non-QM loan program is designed for borrowers whose tax returns may not accurately reflect their true income due to business deductions.

Whether you’re purchasing a home, refinancing, or investing in real estate, our P&L loan program makes financing faster and easier.

Why Choose Our P&L Loan Program

• No personal or business tax returns required
• Qualify using a CPA-prepared or licensed tax preparer Profit & Loss statement
• Available for self-employed borrowers with at least 12 months in business
• Ideal for Self-Employed Borrowers
• No W-2s or Pay Stubs Require
• Available for Purchase, Rate & Term Refinance, and Cash-Out Refinance
• Primary Residences, Second homes, and Investment Properties
• Competitive interest rates
• Flexible credit guidelines
• Loan Amounts Up to $4 million
• Fast approvals and smooth closings

Eligible Property Types

Our P&L loan program is available for a variety of primary and investment properties, including:

• Single-Family Residences (SFR)
• Townhomes
• Warrantable and eligible Non-Warrantable Condominiums
• Condo-Hotel 
• 2–4 Unit Residential Properties
• 5-8 Unit Multifamily  Properties
• Planned Unit Developments (PUDs)
• Long-Term Rental Properties
• Eligible Short-Term Rental Properties (Airbnb & Vacation Rentals)

Who Is a P&L Loan Best For

Our P&L Loans program is ideal for:

• Business owners
• Self-employed professionals
• Real estate investors
• Consultants
• Realtors
• Doctors 
• Attorneys
• Independent Contractors
• Freelancers
• Commission-based  borrowers

Why Self-Employed Borrowers Choose P&L Loans

Traditional mortgage programs rely heavily on tax returns, which often show reduced taxable income because of legitimate business deductions. A P&L Loan focuses on your business’s actual income, helping many qualified borrowers secure financing when conventional loans aren’t an option.

If you’ve been declined by a traditional lender because your taxable income was too low, a P&L mortgage may be the solution.

This financing solution is part of the growing Non-QM (Non-Qualified Mortgage) market, providing flexible underwriting for borrowers with strong financial profiles who don’t fit conventional lending guidelines.

Benefits of Choosing Nations Trust Mortgage

At Nations Trust Mortgage, we specialize in Non-QM financing and understand the unique needs of self-employed borrowers. Our experienced mortgage professionals work with multiple wholesale lenders to find competitive solutions tailored to your financial situation.

Whether you’re purchasing your dream home, refinancing your current mortgage, or accessing your home’s equity, we’ll help you secure financing with a smooth and efficient process.

When you work with us, you’ll receive:

• Expert guidance from experienced Non-QM specialists
• Fast pre-qualification
• Personalized loan options
• Competitive rates
• Responsive communication
• A streamlined mortgage process from application to closing

Our goal is to help you get approved quickly with the financing solution that best fits your financial profile.