The Self-Prepared P&L / WVOE program is designed for high-credit, self-employed borrowers who don’t qualify with traditional income documentation. Using self-prepared profit-and-loss statements or written verification of employment, it streamlines income verification and removes the need for full tax returns. For borrowers with stable businesses and strong credit profiles, it pairs flexible underwriting with competitive terms for primary residences, second homes, or investment properties.
Self-Prepared P&L WVOE highlights
Max. LTV
75%
Max. Loan Amount
$2.5M
Min. FICO
680
No Tax Return
No Prepayment Penalty
U.S. Citizen, Permanent Resident, Non-permanent Resident, Foreign National is eligible
All Occupancy Types and Loan Purposes Accepted
Information shown is for general reference and may vary by borrower qualifications and program terms. This is not a commitment to lend. Contact us for full loan details and eligibility requirements.