Mortgage Options for Business Owners
Your Business P&L May Tell the Story
Better Than Your Tax Return.
If you're self-employed, eligible borrowers may qualify using a 12-month Profit & Loss statement rather than relying only on traditional income documentation.
P&L-only options available for eligible borrowers
P&L with supporting bank statements
Designed for self-employed borrowers
Purchase and refinance scenarios
No obligation. Program eligibility and terms depend on the full loan scenario.
Build Your Real Estate Portfolio
More properties. More possibilities.
Loans built for real life, not a bank's checklist.
We make it easier for real estate investors to access flexible financing with a simple process and competitive rates.
Real Investors Real Solutions
A Broader Network More Options
Expert Support From Start to Finish
Why P&L Mortgage
Your Tax Return Isn't the Only Way to Show Income.
12-Month P&L
Eligible borrowers can use a recent business Profit & Loss statement
With or Without Bank Statements
Depending on the program, supporting business bank statements may also be used
Built for Self-Employed Borrowers
The review focuses on business financial performance rather than forcing every borrower into a W-2 box
one application
Apply once and get the lowest available rate from
147 different lenders
No repeat paperwork, no shopping around. We take one application and compare it across our full lender network to find the rate you actually qualify for.
Lender wordmarks to be dropped in
How Really Estate Works for You
Submit one application
Complete our quick online form with your basic information and what you're financing. Takes just minutes.
We shop 147 lenders
Your profile is compared across our full network of wholesale lenders, in real time.
Review your best options
See personalized rate quotes and loan terms side by side, all in one place.
Choose and close fast
Pick your preferred offer and our team guides you through a smooth closing.
Only Top-Rated Lenders, Really
Work With Experts Who Understand Investors
Finding the right mortgage lender can make all the difference when buying. At Really Estate, we understand that this is a critical decision and are committed to helping our clients find the best lenders to suit their needs.
Our platform provides a simple and easy-to-use tool to search for and find an lender in your area. Our lenders are carefully selected based on their expertise, experience, and track record of success. With Really Estate, you can rest assured that you'll really be working with the best in the business.
What sets Really Estate apart from other real estate platforms?
Our lenders are not only highly qualified, but they are also backed by a team of dedicated experts. We provide ongoing support, training, and resources to ensure that our lenders are always up-to-date with the latest industry trends and best practices. This means that when you work with a Really Estate recommended top rated lenders, you're working with someone who is knowledgeable, professional, and committed to delivering outstanding results. We partner with a broad network of real estate professionals who deliver exceptional service at discounted rates. Our commitment to working with only the best in the industry ensures that you receive the highest level of service while also saving you money.
At Really Estate, we believe that finding the right lender is key to a successful real estate transaction. That's why we go the extra mile to ensure that our clients are paired with a lender who understands their unique needs and goals. With our user-friendly platform and expert team, we make it easy for you to find the perfect lender to buy your home.
Program Details
Flexible Options for Business Owners
Prepared by a Licensed Professional
The 12-month P&L must be prepared by a CPA, EA, CTEC preparer or tax attorney
P&L With Bank Statements
Supporting business bank statements may accompany the P&L, up to 80% loan-to-value
P&L Only
Available with a 720 minimum FICO and loan amounts up to $1.5 million
Purchase and Refinance
P&L only allows 80% loan-to-value on purchase, 75% rate-and-term and 70% cash-out
Two-Year Track Record
Borrowers are generally verified as self-employed for at least two years, with the business in existence two years
30- and 40-Year Options
Fixed-rate and interest-only structures are available on eligible scenarios
Text With Us
Have a question or want to learn more?
Let us know your phone number and we'll text you within a few minutes to get the conversation going.
By sharing your number you agree to receive text messages from Really Estate. Message and data rates may apply. Reply STOP to opt out.
Ready to Explore Your P&L Mortgage Options?
Take the first step and see what you may qualify for.
No obligation. It only takes a few minutes.
