Mortgages for the Self-Employed

Traditional lenders often struggle to qualify self-employed borrowers because tax returns show lower taxable income. CFC Mortgage offers bank statement programs (12 or 24 months), 1099-only programs, and profit-and-loss statement loans that reflect your true cash flow — not just what's on your tax return.

Real Estate Investor Programs

Investors need flexible financing that moves as fast as the market. We offer DSCR (Debt Service Coverage Ratio) loans, portfolio loans, and asset depletion programs that qualify based on rental income or liquid assets rather than personal income. See our dedicated DSCR page for details.

Key Benefits

• 12 or 24-month bank statement programs
• 1099-only income qualification
• Asset depletion / asset dissipation loans
• No tax returns required on select programs
• DSCR loans for rental property investors
• Recent credit events may be acceptable
• Primary, second home, and investment property eligible