Self-employed profile inputs
Use this planning tool to compare declared income, business revenue, add-backs, debts, and credit profile before a full review.
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Strategic self-employed programs may use a portion of revenue rather than only declared personal income.
Borrowers with less than two years in business may have fewer conventional options.
Structure affects how income and supporting documents are interpreted.
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Paper deductions such as depreciation can sometimes be added back for qualification planning.
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20.0% of target home price
Credit tier changes which lending pathways are realistically available.
Prime Pathway
Best suited for stronger declared income, cleaner files, and higher-credit profiles. This is the closest fit to conventional lending and often aligns with roughly 5–20% down.
Strategic Pathway
Useful when declared income understates business strength. This pathway can reflect revenue-based planning and often aligns with about 20–25% down.
Equity Pathway
Fallback route for weaker credit, shorter business history, or more equity-heavy planning. This path is typically most relevant when larger down payments, often 35%+, are available.