Loans for business owners
Every program we place for self-employed owners and investors, with how each one qualifies you. The common thread: none of them put your tax-return net at the center of the decision.
Pick the program that matches how you earn, or take the check-in and let the matcher narrow it for you.
Not sure which fits?
Bank Statement Loans
24 months of business deposits as your income.
For self-employed borrowers whose tax returns understate real income. We use 12–24 months of bank statements (personal or business) to calculate qualifying income — typically 50% of business deposits, or 100% of personal deposits.
About Bank Statement LoansDSCR Loans
The property pays the mortgage — that’s how it qualifies.
For real estate investors. Qualification is based on the property’s expected rental income vs. PITIA, not your personal income. The deal is judged by the property — not your tax returns.
About DSCR LoansP&L-Only Loans
A CPA-prepared profit & loss is the income document.
For business owners with shorter operating histories or major recent revenue changes. We use a CPA-prepared profit-and-loss statement as the primary income document, often combined with limited bank statements as a sanity check.
About P&L-Only Loans1099 Loans
1099 income on its own, no Schedule C add-back math.
For independent contractors, consultants, and commission-based earners. We use your 1099 income — 24-month average, with an expense-factor adjustment — to qualify, without forcing it into a W-2 framework.
About 1099 LoansAsset Depletion
Qualifying income calculated from liquid assets.
For high-net-worth borrowers whose income on paper is low but liquid assets are substantial. We convert eligible assets into a monthly income stream using a depletion factor — typically 60–70 months for retirement accounts, full balance for taxable.
About Asset DepletionForeign National
U.S. property loans for non-resident borrowers.
For non-U.S. residents purchasing or refinancing U.S. property. We use foreign-country income documentation, with translated and CPA-attested financials. ITIN-only borrowers welcome.
About Foreign NationalBridge Loan
Buy the new home before selling the old one.
A short-term loan (typically 6–24 months) that uses the equity in your current home to fund the purchase of a new property before the old one sells. Interest-only or deferred payments during the bridge period. The bridge repays when the departing property closes. Eliminates the need to time two transactions simultaneously or accept a contingency in your offer.
About Bridge Loan
See which program your file fits
Answer five questions about how you earn and what you're buying. A licensed Sunrise loan officer reviews your scenario before anything formal moves.
Related resources
Program descriptions are general and educational, not offers of specific loan terms. Qualifying requirements, documentation, rates, and availability vary by borrower profile, property type, and state, and are subject to lender approval.
Sunrise Lending · Equal Housing Opportunity. Matching rules are written and reviewed by licensed mortgage professionals. All loan decisions are made by licensed mortgage professionals. Not a commitment to lend. Loan approval subject to underwriting guidelines. This is not financial advice.