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Start here: https://seimortgage.com Denied on tax returns even though your business is booming? This episode breaks down the Profit & Loss only mortgage that uses your P&L to qualify income, not W-2s or pay stubs, so self-employed borrowers can buy, refi, or cash out with plain-English rules that actually fit real cash flow. 🔥 What you’ll learn: • When a P&L loan beats tax-return underwriting • CPA vs self-prepared P&Ls and what changes • Down payment, reserves, credit score, and MI basics • ARM, interest-only, and 40-year options in Non-QM • Property types, cash-out refis, and who this fits best SUBSCRIBE/FOLLOW FOR MORE! Instagram: / seimortgage Instagram (Ryan): / ryan_j_marks Facebook (Ryan): / ryan.marks.79025648 ⏱ Timestamps 00:00 P&L loan for business owners 00:09 One document qualifies income 00:22 P&L vs tax returns explained 01:24 CPA vs self prepared rules 02:59 Down payment and MI basics 03:43 Reserves and ability to repay 04:52 Credit score and rate drivers 05:35 ARM interest only 40 year 07:03 Property types and cash out 08:52 Who this fits and YTD P and L 10:57 DTI and credit requirements 12:15 Benefits recap and next steps (Titles): Profit & Loss Loans Explained for Self-Employed Borrowers Denied on Tax Returns? Qualify With Your P&L Instead Non-QM P&L Only Mortgage in Plain English How Business Owners Buy Homes Without W-2s Business Booming But Can't Get Approved? Try a P&L Loan The NEW EASIEST Mortgage I Found for Self-Employed Borrowers The P&L Loan Explained: The Easiest Way for Self-Employed Borrowers to Qualify (No Tax Returns) The NEW EASIEST Mortgage (hashtags): #mortgage #NonQM #SelfEmployed #RealEstateInvesting #SEIMortgage (tags): how to qualify for a mortgage with a profit and loss statement, self employed mortgage without tax returns step by step, p and l only loan explained for entrepreneurs, cpa prepared vs self prepared p and l mortgage rules, minimum down payment for p and l mortgage 10 percent, do p and l loans have mortgage insurance, reserves required for non qm p and l loans, credit score needed for p and l mortgage 620 plus, arm interest only 40 year non qm options, use p and l for cash out refinance primary or investment, which property types qualify for p and l loan 1 to 4 units, year to date p and l to show rising income, dti limit for p and l mortgage up to 50 percent, self employed borrower approval tips with p and l only, mortgage, non qm, self employed mortgage, profit and loss loan, p&l only mortgage, qualify with p&l, bank statement vs p&l, no tax returns mortgage, dscr, investor loans, 12 month p&l, 24 month p&l, interest only, 40 year mortgage, adjustable rate mortgage, dti explained, reserves requirement, primary residence loan, investment property loan, cash out refinance, document checklist, how to prove self employment, credit score 620 plus, refinance self employed, non qm programs, seimortgage, ryan marks, VA DISCLAIMER — Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice Financial advice Tax advice Real estate advice A commitment to lend An offer, quote, or guarantee of loan terms Loan guidelines, program availability, rates, underwriting rules, and qualification methods — especially for Non-QM mortgage programs — can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender