Self-employed mortgages in Florida — qualify without two years of tax returns.
Bank statement, P&L, 1099, and asset-depletion programs for FL business owners, contractors, and retirees.
Why standard mortgages fail self-employed Florida buyers
Florida has one of the highest concentrations of self-employed workers in the country. Standard mortgages score income off tax returns — after write-offs and depreciation, qualifying income looks tiny even when cash flow is strong. Our programs use bank statements, P&Ls, 1099 totals, and liquid assets instead.
Self-employed loan programs in Florida
12- or 24-Month Bank Statement Loan
The most common self-employed path. We average 12 or 24 months of business or personal bank deposits — 100% of personal deposits (with CPA-verified expenses) or 50% of business deposits. Min 680 FICO. Down payment from 10%.
P&L-Only Loan
CPA-prepared 12–24 month profit & loss statement in place of tax returns. Strong option for complex business structures and multi-entity owners.
1099 Mortgage
For independent contractors — 1099 income from the past 1–2 years. Useful for real estate agents, consultants, freelancers, and commissioned salespeople.
Asset Depletion / Asset-Based
For borrowers with significant liquid assets — retirement, brokerage, and bank balances converted to a monthly income figure. Popular with Florida retirees and international buyers.
Florida self-employed markets we serve
- Miami — large entrepreneurial and international business community
- Tampa / St. Pete — growing tech and business services sector
- Orlando — hospitality and tourism business owners
- Fort Lauderdale / Boca Raton — financial services and healthcare
- Naples / Sarasota — retirees and business owners
Florida self-employed mortgage FAQs
Can I get a Florida mortgage without tax returns?+
Yes. Bank statement, P&L-only, 1099-only, and asset-depletion programs all allow qualifying without tax returns. Bank statement loans use 12 or 24 months of deposits; P&L-only loans use a CPA-prepared statement.
What credit score do I need for a Florida bank statement loan?+
Most bank statement investors require a minimum 680 FICO. Higher scores (720+) unlock better pricing and lower down payments.
How much down do I need on a self-employed Florida mortgage?+
10–20% down on primary residences, 20–25% on second homes and investment properties. Strong credit and reserves can push closer to 10% down.
Can I use a bank statement loan for a Naples or Miami jumbo purchase?+
Yes — bank statement jumbos are widely available in Florida up to $3M+ with strong borrower profiles.
Get pre-approved without tax returns
One call — we'll match you to the right self-employed program.