Self-Employed Mortgage Loans
Multiple Paths to Approval — We Find the One That Works for You
Self-employed borrowers face unique challenges qualifying for mortgages because tax deductions reduce taxable income — making it look like you earn less than you do. NicheLending specializes in multiple programs specifically designed for business owners, freelancers, consultants, and 1099 earners in California.
Get Pre-Qualified Today
No credit pull. No obligation. 1-hour response.
Why Choose This Program
Multiple Programs
Bank statement, P&L, 1099-only, and full-doc options — we match you to the best fit.
1099-Only Option
Qualify using just your 1099 forms — no tax returns, no bank statements needed.
All Business Types
Sole proprietors, S-Corps, C-Corps, LLCs, partnerships, and independent contractors.
All Property Types
Primary residence, second home, investment property, and multi-family.
Requirements
- Minimum 620 credit score (varies by program)
- 2+ years self-employed (1 year on some programs)
- Choose from: bank statements, P&L, 1099s, or full-doc
- Business license or CPA letter verifying self-employment
- Minimum 10% down payment (varies by program)
- All property types eligible
- Loan amounts from $150,000 to $3 million
- California properties only
Key Benefits
- Multiple income documentation options — we find what works
- 1099-only qualification available (no bank statements needed)
- Business write-offs don't affect qualifying income on most programs
- Loan amounts up to $3 million
- Down payments as low as 10%
- Primary, second home, and investment properties
- LLC and entity vesting available
- Fast pre-qualification — know your options in 24 hours
- Dedicated self-employed mortgage specialists
- No prepayment penalty options available
Who This Program Helps
The 1099 Contractor
An independent IT contractor in Silicon Valley earns $220,000/year in 1099 income. His tax returns show only $85,000 after deductions. Conventional lenders keep declining him.
1099-only program using 24 months of 1099 forms. Qualified at $220,000 income. Approved for $1.1M home with 20% down.
The Business Owner
A restaurant owner in Los Angeles has been self-employed for 3 years. Her business is profitable but her personal tax returns show minimal income due to business reinvestment.
24-month business bank statement program. $185,000 qualifying income. Purchased $950K home with 20% down. Closed in 20 days.
The Freelance Professional
A freelance marketing consultant in San Diego has multiple clients and earns $165,000/year but has never filed taxes as a business owner before. Only 1 year of self-employment history.
12-month bank statement program (1-year self-employment exception for same-industry transition). Approved for $780K with 15% down.
Borrowers We've Helped
"I've been self-employed for 12 years and every bank turned me down because my tax returns show minimal income. NicheLending got me approved using my bank statements in 3 weeks. Closed on my dream home in Pasadena."
"We used a DSCR loan to add our 4th rental property to our portfolio. No tax returns, no income verification — just the property's rental income. Closed in 21 days. The team was incredibly knowledgeable."
"As a recently retired physician with significant investment assets but no W-2 income, I needed a creative solution. The asset depletion program was perfect. Qualified for a $2.1M home with no income documentation."