Real estate mortgage loans without ‘perfect’ tax returns

By Mark Neely | March 19, 2026

If you think you need stellar tax returns to get a loan to purchase real estate, think again.

A lot of the clients and real estate investors I help either come to me direct or through their CPA or financial planner, often because they have irregular income.

They don’t look good on paper, but their tax returns don’t show the full story.

These clients are typically self-employed, business owners, or real estate investors.

These are the types of mortgage loans I specialize in.

  • Bank Statement Loans
  • Asset Depletion
  • 1099 loans
  • DSCR loans
  • Profit and Loss Loans

I also help specifically with short-term rental financing involving LLC transfers.

If this would help you or a client, reach out to me and my team.

Posted in Mortgage, Realtor Education