We Approve Based on Income, Not Tax Returns.
3.5% down. No tax returns required. The mortgage banks said you couldn't get — built for borrowers whose business is profitable but whose tax returns don't show it.
- 3.5% minimum down (not 20%)
- Qualify on a 12 or 24-month P&L
- Up to FHA county loan limit
- 21–30 day close possible
Check my approval
No tax returns. No hard credit pull. No commitment.
Your tax returns don't tell the truth.
- Your business is profitable. Your tax returns don't show it.
- Banks see write-offs and depreciation, not real income. So they say no.
- You've been told no by lenders who don't understand self-employed income.
We qualify you on actual business income.
Our 3.5% Down P&L program qualifies you on a profit & loss statement — not your tax returns. No bank statement gymnastics either.
How this stacks up
The only program in the market combining 3.5% down with no tax returns.
| Conventional | FHA | Bank Stmt | Standard P&L | Best Finance P&L | |
|---|---|---|---|---|---|
| Min. down payment | 3–5% | 3.5% | 10–20% | 15–25% | 3.5% |
| Tax returns required | Yes (2 yrs) | Yes (2 yrs) | Sometimes | No | No |
| Income method | AGI / Schedule C | AGI / Schedule C | Bank deposits | P&L | P&L |
| Self-employed friendly | Often no | Often no | Yes | Yes | Yes |
| Closing timeline | 30–45 days | 30–45 days | 21–30 days | 21–30 days | 21–30 days |
Built for you if you're a:
LLC / S-Corp / Sole prop owner
You take a salary that doesn't reflect distributions. Real income hits the business; we read that.
1099 contractor
Your business looks "small" on paper because of legitimate deductions. P&L tells the real story.
Freelancer / agency owner
Variable income across the year is normal — we average a 12 or 24-month P&L instead of looking at one tax return snapshot.
Real estate professional
Commission-based income, often lumpy. We qualify on actual business cash-flow, not what made it onto Schedule C.
How it works
Apply in 3 minutes (no tax returns)
Name, email, phone, est. purchase price. That's it.
Send us your P&L
12 or 24 months — borrower-prepared is fine. No CPA needed.
Pre-approval in 48 hours
Real numbers. Honest yes-or-no.
Founded by Chris Harris — UCLA-trained electrical engineer, NASA veteran, inventor of a life-saving robotic medical device. Best Finance was built to bring engineering rigor to mortgage lending.
Frequently asked questions
Stop being punished for being self-employed.
You've been told no by lenders who don't understand your income. We do.
Check my approval
No tax returns. No hard credit pull. No commitment.
NMLS# [###] · Best Finance · Equal Housing Lender. All loans subject to credit approval and underwriting. Rates, terms, and program availability subject to change without notice. Not a commitment to lend. 3.5% Down P&L program available on primary residence or second home up to FHA county loan limits.