Andres Garcia
Loan Officer
NMLS: 2246130
813-847-4199

P&L Only Loan

Secure Your Dream Home with a P&L Only Loan

Empowering Self-Employed Professionals with Streamlined Mortgage Solutions
640

Minimum Credit Score

50%

Maximum Debt To Income

90%

Maximum Loan To Value

$15M

Maximum Loan Amount

Pros of P&L Only Loans

1

Simplified Documentation

No need to collect extensive financial documents. Your Profit and Loss statement is what matters.
2

Friendly for Business Owners

Tailored to the needs of business owners and self-employed professionals.
3

Quick and Efficient

Our P&L Only Loan process is quick and efficient, helping you close in record time.

Cons of P&L Only Loans

1

Higher Cost

Compared to conventional loans, P&L Only Loans may have slightly higher costs.
2

Potential Prepayment Penalty

Although fully disclosed and optional, opting out of a prepayment penalty may slightly increase the cost.

Key Issues That Will Get Early Attention

1
Determine Eligibility
Let's review your Profit and Loss statement to verify your eligibility for a P&L Only Loan.
2
Understand Income Calculation
We'll explain how we calculate your income based on your Profit and Loss statement.
3
Prepare Necessary Documentation
We'll guide you through gathering the necessary documentation for a smooth application process.
4
Explore Your Options
Let's look at all your loan options to find the one that fits best with your financial situation.
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