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Flexible Self-Employed Mortgages
Get the home financing you need. NO TAX RETURNS necessary. Our unique mortgage solutions allow you to use the cash flow of your business as opposed to the net income on your taxes.
SPEAK WITH AN EXPERT NOW
Highlights
- Loan Amounts: from $200k up to $10M
- Geography: Nationwide in ALL 50 States
- Property Types: Residential
- Occupancy: Primary Residence, Second Home, Investment Property, no operating history required on STRs
- LTVs: Up to 90% (Acquisitions/Rate-Term Refi), 80% (Cash-Out)
- DTI: Up to 50%-55%
- Credit Score: 660 minimum
Ideal For
- Self-employed individuals
- Business owners
- 1099 independent contractors
- K1 partners
- Consultants
- Entrepreneurs
Get Connected to Our Team Right Now.
We believe in the power of personal connection. That's why we make it easy for you to connect with a knowledgeable team member in just 60 seconds.
We're here to listen, understand your unique situation, and provide tailored lending solutions designed to help you achieve your financial goals.
Take the first step towards your financial future by completing our simple form.
Do you qualify? Take this short quiz to find out.
All 50 States, Covered.
Available states:
Coming soon:
What to Expect When You Work with MDL
It is our team's goal to build long-term relationships with our customers and go the extra mile to guarantee their success.
We work with you every step of the way to find the perfect loan solution.
Connect With Us
Schedule an appointment with one of our experienced loan professionals and we'll work together to create the plan that's right for you.
Review Your Options
Our experts find the best rates, review financials, and find a product that fits both your short term needs as well long-term goals.
Celebrate Your Closing
Close on time and reach your goals. Our team works closely with you throughout the entire process—making sure to celebrate with you when the loan is secured!
Explore Mortgage Solutions
It's time to find a mortgage that will suit your needs. We'll help guide you through the process and make sure you have everything you need for success.
What is a Self-employed Mortgage?
A self-employed mortgage is a type of home loan designed specifically for entrepreneurs and self-employed professionals. Self-employed borrowers often face more challenges when trying to qualify for a mortgage, because they may have less predictable income than a regular W2 employee. A self-employed mortgage can help these borrowers get approved for a home loan by taking into account their unique financial situation.
Get in Touch with Our Team!
Get in touch with us today for a free rate quote. Get the loan that's right for you.
What You're Going to Need
for Pre-approval
At least ONE of the following three options:
- Minimum of 12 months business or personal bank statements
- Minimum of 1 year of Profit and Loss Statement Balance
- Minimum of 1 year 1099
Also required:
- 2 months personal asset statements
- Drivers license
- CPA letter to attest to your ownership
for Pre-approval
- Proof of Assets
- Proof of Credits
- Driver's License
Our Recent Fundings
We’ve helped hundreds of clients get the funding they need to purchase their next property. You could be next.
Test Funding
Frequently Asked Questions
