Skip to main content
Loan Program

P&L Mortgage Loans

Learn More

Who is this loan right for?

P&L (Profit & Loss) Mortgage Loans are ideal for self‑employed individuals or business owners who want to qualify using year‑to‑date profit & loss statements rather than tax returns alone.

Request Quote

Mortgage Loan

Benefits of this loan program

  • Can qualify more quickly without lengthy tax documentation.
  • Reflects current business performance (useful in fast‑growing businesses).
  • Helps borrowers secure financing earlier in the year.

Request Quote

General eligibility requirements

  • Current P&L statement from a qualified CPA.
  • Supplemental documentation (bank statements, business records).
  • Acceptable credit score and reserves.
  • Business must demonstrate stable income.

Request Quote

Get started by using one of our FREE tools!

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!

Conventional

Learn More!

FHA

Learn More!

VA

Learn More!

Jumbo

Learn More!

Renovation

Learn More!

USDA

Learn More!

DSCR Investor Loans

Learn More!

Commercial

Learn More!

Non QM

Learn More!

Reverse

Learn More!

Divorce Lending

Learn More!

1099

Learn More!

P&L

Learn More!

Bank Statement

Learn More!

Self‑Employed

Learn More!

Foreign National

Learn More!

Asset Depletion

Learn More!

Asset Utilization

Learn More!

Check out our other mortgage calculators

Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.

Rate Buydown Calculator

See how making extra payments can help you pay off your mortgage faster and save on interest.

Early Payoff Calculator

See how making extra payments can help you pay off your mortgage faster and save on interest.

Comparison Calculator

Compare the costs of renting versus buying a home to determine the best financial decision for your situation.

Affordability Calculator

Assess how much home you can afford based on your income, expenses, and desired down payment.

General Repayment Calculator

Check out our traditional general repayment calculator.

Mortgage Comparison Calculator

Compare different mortgage options side by side to find the best fit for your financial needs.

DSCR Investor Calculator

See what your DSCR ratio is for your investment loans with our DSCR Calculator.

Refinance Comparison Calculator

Evaluate the potential savings and costs associated with refinancing your existing mortgage.

Adjustable Rate Mortgage Calculator

Determine your potential monthly payments and interest costs for an adjustable-rate mortgage over time.

VA Calculator

Estimate your monthly payments and total costs for a loan backed by the Department of Veterans Affairs.

Jumbo Calculator

Calculate your monthly payments and total costs for a jumbo mortgage that exceeds conforming loan limits.

FHA Calculator

Determine your potential monthly payments and total costs for a Federal Housing Administration loan.

Conventional Calculator

See the monthly payment and total cost for a conventional mortgage loan.

USDA Calculator

Calculate the costs and monthly payments associated with a USDA Rural Development loan.

203k Renovation Calculator

Analyze your debt service coverage ratio to evaluate the profitability of an investment property.