Self-employed buyers · Volusia and Central Florida

Self-employed? You can still buy a home.

Your income looks different on paper. I help business owners get ready the right way, with a lender who understands self-employed buyers, so there are no surprises at underwriting.

Get my game plan See what lenders look at

2 years

of self-employment history many lenders look for

Tax returns

are how most lenders count your income

Bank statements

are used by some lenders instead

Pre-approval

is your first step

What lenders look at

Your paperwork tells the story. Let's get it ready.

Tax returns

Your net income

Most lenders average the net income on your tax returns, often for the last two years. Write-offs that lower your tax bill can also lower the income a lender can count.

Bank statements

Another way in

Some lenders offer programs that use bank statements instead of tax returns. Terms and rates differ, so it pays to compare.

Credit and debt

Same as any buyer

Your credit score, your monthly debts, and the money you have for a down payment and closing costs all matter.

General information, not lending advice. Programs, documents and qualification vary by lender. Talk to a licensed lender about your situation.

Get ready

Start gathering these now.

Document	Why
Personal tax returns, last 2 years	Shows your income history
Business tax returns, if you have an entity	Shows how the business is doing
Year-to-date profit and loss	Shows where you are this year
Recent bank statements	Shows your savings and cash flow
Business license or proof of business	Shows how long you've been in business

Your lender may ask for more or less. This is a starting list.

How I help

I tell you the truth and stay with you to closing.

1. Talk to a lender early

I connect you with lenders who work with business owners, before you look at a single house.

2. Get your paperwork ready

We go through what you need, so nothing slows you down later.

3. Shop in your range

I show you homes that fit what you are actually approved for, and explain the real cost of each.

4. Offer, inspections and closing

I stay with you from offer to keys.

Phyllis Allen · LPT Realty

Get your self-employed game plan.

Tell me about your business and when you want to buy. I'll send you a simple plan for getting ready, and we'll go from there.

Call or text (407) 777-1301 · phyllisallenrealtor@gmail.com