Nearly 1 in 10 U.S. workers is self-employed — roughly 16–17 million Americans, with millions more running businesses through 1099 income, side hustles, and independent contracting. It’s a massive and growing borrower segment. But there’s a catch: the same tax strategies that help self-employed clients minimize their tax bill including write-offs, deductions, and reduced net reported income can work against them when it’s time to qualify for a mortgage.
Traditional income documentation often paints an incomplete picture of what a self-employed borrower can actually afford. That’s where alternative qualification methods come in.
Join us for a live webinar built specifically for loan officers who want to serve this underserved (and underleveraged) market. We’ll break down:
- Bank Statement Lending – Qualifying borrowers using deposits, not tax returns
- P&L + Bank Statement Programs – Using a CPA/tax preparer-prepared P&L alongside statements for a fuller income picture
- Asset Utilization – Turning liquid assets into qualifying income
1099 Income Programs – Streamlined solutions for contractors and gig-economy borrowers
Walk away with practical tools to confidently guide self-employed clients through financing options that reflect their true earning power — not just what shows up on Schedule C.