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Being self-employed doesn’t mean you can’t qualify for a mortgage — you just need the right loan program. In this video, we’ll break down the top loan options for self-employed borrowers so you can buy or invest in real estate with confidence.

If you own a business, freelance, or work as a contractor, qualifying for a traditional mortgage can be challenging. But programs like Bank Statement Loans, DSCR Loans, and 1099 Loans are designed specifically for people like you.

Bank Statement Loans use 12–24 months of personal or business deposits to verify your income instead of tax returns — ideal if you write off business expenses and show lower taxable income.

DSCR Loans (Debt Service Coverage Ratio loans) are a great fit for real estate investors. They focus on the property’s rental income, not your personal income. If the rent covers the mortgage payment, you can qualify — perfect for building a real estate portfolio.

1099 Loans are designed for independent contractors and gig workers. These use your annual 1099 forms to verify income, making it easier to qualify without W-2s or traditional paperwork.

Whether you’re a small business owner or investor, there’s a flexible mortgage solution waiting for you.

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Shannon Young | Cross Country Mortgage | NMLS 373031 & 3029 | FL, GA, SC, NC, AL, TN

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