Owning your own business shouldn't stand in the way of buying a home or refinancing your current mortgage.
If you're self-employed, earn 1099 income, own a business, or have substantial assets but limited reportable taxable income, you may qualify for one of our flexible mortgage programs designed specifically for borrowers like you.
At Coast Capital Mortgage, I help homebuyers and homeowners throughout Florida find financing solutions that work with their financial situation—not against it. Through our network of wholesale lenders, we offer a variety of Non-QM (Non-Qualified Mortgage) programs that use alternative documentation instead of relying solely on tax returns.
Whether you're purchasing a primary residence, refinancing to lower your payment, pulling cash out for renovations, or financing an investment property, I'm here to help.
Click the "Apply Now" button to begin your secure online application.
Perfect for:
Instead of qualifying with tax returns, many lenders review 12 or 24 months of personal or business bank statements to calculate qualifying income.
Some lenders offer programs that use a CPA- or tax preparer-prepared Profit & Loss Statement, sometimes combined with supporting business documentation, instead of full tax returns.
If you have significant liquid assets but little reportable income, you may qualify using an Asset Depletion program.
Eligible assets may include:
Instead of relying on employment income, the lender calculates qualifying income from eligible assets.
Some Non-QM lenders offer owner-occupied mortgage programs that rely on a combination of credit strength, verified assets, liquidity, reserves, and alternative documentation, rather than traditional W-2 income or full tax-return income. These programs still require the lender to verify your ability to repay using the documentation permitted under the program.
I'll review your financial profile and match you with the lender and program that best fits your situation.
For investment properties, a Debt Service Coverage Ratio (DSCR) loan may allow you to qualify based primarily on the property's rental income rather than your personal income.
Ideal for:
These programs are available for many purchase and refinance scenarios.
Click Apply Now and submit your secure online application.
We'll review:
Based on your financial profile, we may recommend:
We'll evaluate:
We'll determine:
A licensed appraiser determines the property's value when required.
The lender reviews:
Sign your documents and complete your purchase or refinance.
These programs may be available for:
Available for many purchase and refinance transactions.
Eligible condominium projects may qualify under many Non-QM programs, subject to lender and project requirements.
Many programs also finance duplexes, triplexes, and fourplexes, depending on occupancy and program guidelines.
We proudly help borrowers throughout:
Known for military communities, healthcare, education, and a growing business sector, North Florida offers a wide range of housing opportunities.
Serving:
Central Florida continues to attract business owners, healthcare professionals, and entrepreneurs, with strong growth driven by tourism, technology, and logistics.
Helping buyers and homeowners in:
South Florida remains one of the nation's strongest markets for self-employed professionals, investors, international buyers, and retirees.
Many successful business owners legally reduce their taxable income through deductions. While that can lower taxes, it may also make qualifying for a conventional mortgage more difficult.
Alternative documentation programs allow many borrowers to qualify using cash flow, business performance, assets, or rental income instead of relying only on tax-return income.
Not always. Depending on the program, you may qualify using bank statements, a Profit & Loss Statement, eligible assets, or other alternative documentation.
Yes. These programs are available for both rate-and-term and cash-out refinances.
Often, yes. That's one of the main reasons borrowers choose Bank Statement or P&L programs.
Yes. Asset Depletion and other asset-based programs can be excellent options for retirees with significant savings or investments.
Yes. DSCR loans are designed specifically for investment properties and generally qualify based on the property's rental income.