06/04/2026
Your job is to minimize their tax liability.
Their banker is trying to blow that up and to be frank, you don’t have time for this.
If you have a business owner client who is a great candidate for homeownership but a traditional mortgage lender keeps telling them to claim more income to qualify, that conversation should end now.
Bank statement loans exist for exactly this scenario. We calculate qualifying income using 12 to 24 months of actual deposits – not tax returns, not adjusted gross income, not a number your client had to manufacture at the expense of their write-off strategy.
Your client gets the home. You keep the intricate tax plan intact. Nobody has to choose between buying a house and running their business the smart way.
That is the conversation I want to have with you.
If you have a client who is financially strong but can’t seem to get a mortgage approval that makes sense - send this to them and DM me.