Self-employed Florida borrowers have five qualification pathways: bank statement loans, asset depletion, 1099 income programs, profit-and-loss statement loans, and conventional financing. Non-QM lending — which covers most of these alternative pathways — grew from roughly 5.21% to 8.0% of all U.S. mortgages between July 2024 and July 2025, according to National Mortgage Professional, as more self-employed borrowers found paths around tax-return-only underwriting.
Qualify using 12–24 months of personal or business deposits instead of tax returns.
Qualify using liquid assets — savings, investments, retirement accounts — converted into a qualifying income figure.
Built for contractors and gig-based professionals who receive 1099s instead of W-2s.
Qualify using a CPA-prepared P&L statement instead of full tax return documentation.
If your tax returns already show strong qualifying income, conventional financing may still offer the best rate.
We review your income structure and match you to the strongest pathway in one conversation.
We review how you actually get paid — deposits, assets, 1099s, or P&L — to see which pathway fits.
We match your income structure, credit profile, and down payment to the strongest available program and rate.
Close using documentation that actually reflects your financial picture — not just what a tax return shows.
If the property you're financing is a rental, DSCR financing based on the property's own income may qualify you faster.
Compare DSCR Loans →Private consultation with Kelly or Ray Nadeau. We'll review your income structure and match you to the strongest of the five pathways — no obligation.
📞 321-321-9455 · Kelly Nadeau NMLS #1027618 · Ray Nadeau NMLS #1027617