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Feng Capital offer 1-year and 2-year P&L loans tailored for self-employed individuals. These loans allow borrowers to use their business’s Profit & Loss (P&L) statement to qualify, bypassing traditional income verification. A Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer prepares the P&L statement, crucial for our P&L loan program. We provide loans up to $4 million, with up to 80% CLTV, making our P&L loans a flexible and accessible mortgage solution for self-employed clients.

What is a Profit and Loss mortgage?

When self-employed borrowers are unable to qualify under GSE mortgage guidelines, Profit and Loss (P&L) Statement mortgages offer a simple solution. Our P&L allows us to determine the monthly qualifying income of your clients based solely on 1- or 2-year P&L statements prepared by either their CPA or a licensed tax preparer. While this means that no tax returns or transcripts are required to qualify under this program.

Who can get a Profit & Loss mortgage?

  • Businesses/self-employed workers who received income exclusively from cash and may not keep perfect records of their transactions.

  • Businesses/self-employed workers with seasonal income, and/or make intermittent deposits that do not follow a regular predictable pattern on a weekly or monthly basis.

  • Businesses/self-employed workers that have been in business for more than 2 years.

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