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One Year Tax Returns for Self-Employed Borrowers
Newer self-employed income, fully recognized.
Qualify on a single year of self-employment tax returns instead of the usual two, so a strong recent year is not held back by an older one.
Highlights
What makes this loan different
- One year of personal and business returns accepted
- Owner-occupied and investment property eligible
- Conventional pricing on many scenarios
- Particularly useful after a strong recent business year
Best for
Who this is built for
- Self-employed borrowers in year one or year two of a venture
- Anyone whose most recent year is materially better than the prior
When 24 months unfairly drags down your file
Standard underwriting averages two years of self-employment income. If last year was a breakout year, that average penalizes you. A one-year program lets a strong, current year stand on its own.
Ready to see what this loan would take in your case?
A quick application gets you a real, underwritten read on what is possible.