Self-Employed Loans in Washington, Oregon, California, and Arizona

Bank Statement Loans

Qualify Using Your Bank Deposits

Bank statement loans are designed for self-employed borrowers whose tax returns may not fully reflect their income. Instead of traditional documentation, lenders review 12–24 months of bank statements to determine eligibility, offering a flexible path to purchasing or refinancing a home.

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DSCR Loans

Qualify Based on Property Cash Flow

DSCR loans are designed for non-owner-occupied real estate investments and qualify borrowers based on the rental income of the property rather than personal income. This makes them a popular option for investors looking to purchase or refinance rental properties.

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Profit & Loss Loans

Qualify Using Your Business Income

Profit & Loss loans allow self-employed borrowers to qualify using a profit and loss statement that reflects their business revenue. This option can provide a simpler way for business owners to access home financing without relying solely on tax returns.

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1099 Loans

Designed for Independent Contractors

1099 loans are built for independent contractors and commission-based professionals who receive income through 1099 forms rather than traditional W-2s. These programs offer flexible income verification to help qualified borrowers purchase or refinance a home.

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Bank Statement Loans

At Key One Financial we understand that there are times when self employed individuals may have a difficult time documenting their income through traditional methods. That’s why we offer a variety of stated income and bank statement programs to better meet the needs of our clientele.

How it Works

We use bank statements and assets to help you qualify rather than tax returns or W2s.
Credit requirements can be less restrictive than conventional financing options.
Past credit events such as bankruptcies, foreclosures, and short sales may be fine after two years.
Business and personal bank statements may be used to help qualify

Qualification Requirements*

Up to 90% LTV no MI
Credit scores down to 600
12 month personal bank statements
24 month business bank statements
Loans up to $3 million
DTI up to 50% considered
Owner-occupied, 2nd homes and investment properties
2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
Interest-only available
2 year self-employed required
No tax returns required

*Programs, terms, and qualifications may vary based on borrower profile and property type. Additional conditions may apply and are subject to change without notice.

DSCR Loans

Real estate investors often prefer financing that focuses on the performance of the property rather than personal income. DSCR (Debt Service Coverage Ratio) loans allow borrowers to qualify based primarily on the rental income generated by the property. These programs are designed to help investors purchase or refinance rental properties without traditional income documentation.

How It Works

Qualification is based primarily on the property’s rental income
Personal income documentation may not be required
Designed for real estate investors and rental properties
Can be used to purchase or refinance investment properties

Typical Qualification Guidelines*

Up to 85% LTV
Credit scores starting around 620
Loan amounts up to $3 million+
Available for single-family, condos, townhomes, and 2–4 unit properties
Interest-only options may be available
Available for short-term or long-term rental properties

*Programs, terms, and qualifications may vary based on borrower profile and property type. Additional conditions may apply and are subject to change without notice.

Profit & Loss Loans

Self-employed borrowers often have strong business income that may not be reflected on traditional tax documents. Profit & Loss loan programs allow qualified borrowers to use a CPA-prepared or borrower-prepared profit and loss statement to verify income. This option can provide a flexible path to home financing for entrepreneurs and business owners.

How It Works

Income is verified using a profit and loss statement
Tax returns may not be required in some cases
Designed for self-employed borrowers with consistent business income
Past credit events may be considered after appropriate seasoning

Typical Qualification Guidelines*

Competitive LTV options available
Credit scores starting around 600
Profit & Loss statement required
Loan amounts up to $3 million
Financing available for primary homes, second homes, and investment properties
Interest-only options may be available

*Programs, terms, and qualifications may vary based on borrower profile and property type. Additional conditions may apply and are subject to change without notice.

1099 Loans

1099 loan programs are designed for independent contractors, freelancers, and commission-based professionals who receive income through 1099 forms instead of traditional W-2 employment. These programs allow qualified borrowers to use their 1099 income documentation to help verify income when applying for a mortgage.

How It Works

Income is verified using 1099 earnings
Designed for contractors, freelancers, and commission-based professionals
May allow borrowers to qualify without traditional tax return calculations
Flexible qualification options compared to conventional programs

Typical Qualification Guidelines*

Competitive LTV options available
Credit scores starting around 600
1099 income documentation required
Loan amounts up to $3 million
Available for primary homes, second homes, and investment properties
Interest-only options may be available

*Programs, terms, and qualifications may vary based on borrower profile and property type. Additional conditions may apply and are subject to change without notice.

Self-Employed Loans in Washington, Oregon, California, and Arizona

Bank Statement Loans

How it Works

Qualification Requirements*

DSCR Loans

How It Works

Typical Qualification Guidelines*

Profit & Loss Loans

How It Works

Typical Qualification Guidelines*

1099 Loans

How It Works

Typical Qualification Guidelines*

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Where are you at in the home-buying process?

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What kind of home are you looking for?

What is your target Purchase price?

How much do you have for a down payment?

Do you know your credit score?

What is your annual income before taxes?

Are you (or your spouse) a veteran or active duty military?

Have you owned a home in the last 3 years?

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