Income that reflects your business.
Self-Employed Mortgage Loans in Los Angeles
Self-employed mortgage options help Los Angeles business owners and investors document income in ways that fit their work. Depending on the program, a lender may review tax returns, bank statements, or a profit and loss statement.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM
01 / Understand the loan
What Are Self-Employed Mortgage Loans?
Start with how you earn and document income.
Self-employed income can fluctuate and include business expenses, so the documentation matters. Different mortgage programs use different methods to calculate qualifying income; an alternative-documentation loan still requires a supported application.
We discuss your business, the property, and the available records before introducing suitable options from our lending partners. Bank statement and P&L programs are possibilities to compare, not automatic substitutes for every borrower.
02 / See how it fits
Who This Is For
- Business owners
- Freelancers and contractors
- Real estate agents and other commission earners
- Borrowers who were turned down for a regular mortgage
What You May Need
Requirements vary by lender and program. Common items to discuss include:
- A signed application
- Bank statements or a profit and loss statement
- Photo ID
- Proof of your business
- Property information
03 / Your local investment
Serving Los Angeles and Nearby Cities
For a business owner buying an investment property in Los Angeles or a nearby city, the first conversation starts with business ownership, how income is received, and the intended property use. That helps narrow the records a lender may request.
- Los Angeles
- Inglewood
- Culver City
- Beverly Hills
- West Hollywood
- Santa Monica
- Glendale
- Burbank
- Pasadena
- East Los Angeles
- Hawthorne
- Compton
- Alhambra
See all our Los Angeles loans or see all areas we serve. Investing outside Los Angeles? See Self-Employed Mortgage Loans in other states.
04 / A little clarity
Questions We Hear a Lot
What do I need for a self-employed mortgage?
Self-employed mortgage loan requirements vary by program. Common items include identification, property details, proof of business activity, income documentation, and funds for the transaction. The lender confirms whether tax returns, bank statements, or a P&L are needed.
Do I have to use tax returns?
Some programs use alternative income documentation. Availability depends on your circumstances and the lender’s rules, and additional supporting records may still be required.
Do you work with self-employed mortgage lenders?
We are a mortgage broker working with third-party lending partners. We can help you compare available programs and understand their documentation requirements; the lender decides approval.
05 / Explore your options
Related Loan Options
Know Who You’re Working With
The Funding Clinic is a mortgage broker. We arrange loans funded by third-party lenders. View our BBB business profile to learn more about our company. Read our Google reviews
Your next move starts here
Ready to talk about your deal?
Tell us about your deal. We will help you find the right loan.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM