Self-employed home loans across Duval County
If you run a business, contract, or freelance in Duval County, a conventional lender's reliance on tax returns can work against you. Bank statement loans count your actual cash flow — often 50% of business deposits or 100% of personal — to get you qualified. Lenders count 12–24 months of deposits — often 50% of business or 100% of personal — as income. From San Diego to the surrounding towns, we help Duval County business owners qualify on their deposits.
Duval County at a glance
In Duval County, the median household income is about $45,438 (2024). Self-employed buyers here qualify on bank deposits rather than tax returns — which often supports a higher price than a write-off-reduced return would.
Who qualifies in Duval County
- Credit from 620 and down payments from 10%
- Personal or business bank statements both accepted
- Local specialists who structure non-QM loans for Duval County business owners
- Self-employed 2+ years preferred (1–2 years can work with a strong history)
From San Diego to the rest of Duval County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.
ITIN loans: no Social Security number required
Taxpayers who file with an IRS-issued ITIN can buy a home through ITIN mortgage programs — typically 10-20% down, two years of work history, and credit shown by score or alternative trade lines like rent and utilities. Self-employed ITIN borrowers can often qualify with bank statements.
Realtors: qualify on your commissions
Agents deduct heavily — mileage, marketing, MLS dues, splits — so the net income a conventional lender sees rarely reflects real earnings. Bank statement loans count your commission deposits, and 1099 loans count 90-100% of your gross 1099 — two clean paths to the home you've been selling everyone else.
P&L-only loan options
Some self-employed borrowers qualify with a CPA-prepared profit-and-loss statement, sometimes paired with a couple months of statements. A P&L loan is another non-QM path when your deposits alone don't capture the whole picture.