Business Booming But Can't Get Approved? Try a P&L Loan

Start here: https://seimortgage.com
Denied on tax returns even though your business is booming? This episode breaks down the Profit & Loss only mortgage that uses your P&L to qualify income, not W-2s or pay stubs, so self-employed borrowers can buy, refi, or cash out with plain-English rules that actually fit real cash flow.

🔥 What you’ll learn:
• When a P&L loan beats tax-return underwriting
• CPA vs self-prepared P&Ls and what changes
• Down payment, reserves, credit score, and MI basics
• ARM, interest-only, and 40-year options in Non-QM
• Property types, cash-out refis, and who this fits best

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Instagram:   / seimortgage  
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⏱ Timestamps
00:00 P&L loan for business owners
00:09 One document qualifies income
00:22 P&L vs tax returns explained
01:24 CPA vs self prepared rules
02:59 Down payment and MI basics
03:43 Reserves and ability to repay
04:52 Credit score and rate drivers
05:35 ARM interest only 40 year
07:03 Property types and cash out
08:52 Who this fits and YTD P and L
10:57 DTI and credit requirements
12:15 Benefits recap and next steps

(Titles):
Profit & Loss Loans Explained for Self-Employed Borrowers
Denied on Tax Returns? Qualify With Your P&L Instead
Non-QM P&L Only Mortgage in Plain English
How Business Owners Buy Homes Without W-2s
Business Booming But Can't Get Approved? Try a P&L Loan
The NEW EASIEST Mortgage I Found for Self-Employed Borrowers
The P&L Loan Explained: The Easiest Way for Self-Employed Borrowers to Qualify (No Tax Returns)
The NEW EASIEST Mortgage

(hashtags):
#mortgage #NonQM #SelfEmployed #RealEstateInvesting #SEIMortgage

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DISCLAIMER — Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form.
All information provided in this podcast is for educational and informational purposes only.

Nothing in this episode should be interpreted as:
Legal advice
Financial advice
Tax advice
Real estate advice
A commitment to lend
An offer, quote, or guarantee of loan terms
Loan guidelines, program availability, rates, underwriting rules, and qualification methods — especially for Non-QM mortgage programs — can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower.
Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit.
This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency.

No government agency has reviewed or approved the content of this recording.
The Turkey Foundation, Inc.

1805 E Garry Ave, Santa Ana, CA 92705

Equal Housing Lender