For Business Owners & 1099 Contractors

Your CPA works to minimize your taxes.
I work to maximize your borrowing power.

Traditional banks deny self-employed borrowers because they only look at the bottom line. I perform a Forensic Income Review to legally add back expenses and uncover your true income.

❌ The Bank Teller Approach

Checks "Line 31" on your tax return. Sees you wrote off expenses to save on taxes. Says your income is too low to qualify.

✅ The Analyst Approach

I read between the lines. I identify legitimate "add-backs" like depreciation and mileage to reconstruct your actual cash flow for the lender.

How We Get You Approved

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The 'Add-Back' Audit

We review your Schedule C and Corporate returns for non-cash deductions. Depreciation? Business use of home? We add those back to boost your qualifying income.

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The 12-Month Check

Is your business growing? We fight to use your most recent 12 months of income rather than a 2-year average, helping you qualify for the loan amount you deserve.

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The Bank Statement Loan

Tax returns showing a loss? We can switch strategies entirely. By analyzing 12 months of business bank deposits, we can often qualify you based on cash flow alone.

Stop guessing your qualification.

Let's run the numbers on your specific scenario.

Your CPA works to minimize your taxes. I work to maximize your borrowing power.