Can self-employed and 1099 buyers get a mortgage in DFW?
Yes — self-employed, 1099, commission-based, and investor buyers have multiple mortgage options in DFW. Bank statement loans, DSCR loans, P&L loans, and asset depletion programs are all available. Your tax returns don't have to tell the whole story. Denise Abrams specializes in helping non-traditional income buyers navigate these programs and find the right lender. TREC #613383-B.
Self-Employed · 1099 · Commission · Investors
Your Income Is Real.
Your Mortgage Should Be Too.
Tax returns don't capture the full picture for millions of DFW buyers. If you're self-employed, a 1099 contractor, commission-based, or an investor — there are loan programs built specifically for you.
This page is for you if…
- Self-employed buyers whose tax returns understate their income
- 1099 contractors, commission earners, and gig workers
- Real estate investors using rental income to qualify
- Business owners who have been told "no" by a traditional lender
Why this matters
Traditional mortgage underwriting was built for W-2 employees. If you earn differently, most lenders will decline you — not because you can't afford the home, but because they don't know how to read your income. Denise's background as a former mortgage loan originator and Fannie Mae underwriter means she knows exactly which programs fit your situation.
Important: Not all lenders offer bank statement, DSCR, or P&L loan programs. Many buyers are turned away by traditional lenders who only work with W-2 income — when the right lender would have approved them. Denise connects you with lending professionals who specialize in non-traditional income from day one.
Who This Is For
You Earn Well. Your Tax Return Doesn't Show It.
Millions of high-earning Americans are underserved by traditional mortgage underwriting. These are the income types Denise works with every day.
Self-Employed / Business Owners
Write-offs reduce taxable income — but lenders can still qualify you using bank statements, P&L statements, or 1099 income averaged over 24 months.
1099 Contractors & Freelancers
Gig workers, consultants, and independent contractors qualify using 1099 income, bank deposits, or DSCR loans if buying investment property.
Commission-Based Earners
Realtors, sales professionals, and mortgage brokers can qualify using a 2-year average of commission income — even if last year was lower.
Investors & Rental Income
Rental income from existing properties can be counted toward qualification. DSCR loans qualify based on the property's income — not yours.
Seasonal & Variable Income
Construction workers, teachers, and seasonal employees can qualify using averaged annual income and a strong employment history.
Retired / Asset-Based Income
Retirees can qualify using Social Security, pension, IRA distributions, or asset depletion — where lenders divide total assets over the loan term.
Loan Programs
Mortgage Options for Non-Traditional Income
These programs exist specifically because traditional underwriting fails high-earning self-employed and investor buyers.
Bank Statement Loans
Best for self-employedQualify using 12–24 months of personal or business bank statements instead of tax returns. Lenders average your deposits to determine income.
- No tax returns required
- Accepts business write-offs
- Down payments from 10%
1099 Income Loans
Best for contractorsUse your 1099 forms and a 2-year average of gross income. Some lenders accept just 12 months of 1099s with strong compensating factors.
- No W-2 required
- Gross income used (before deductions)
- Competitive rates available
DSCR Loans
Best for investorsDebt Service Coverage Ratio loans qualify based on the rental property's income — not your personal income. Perfect for scaling a portfolio.
- No personal income verification
- Qualify on rental cash flow
- Unlimited properties
Asset Depletion Loans
Best for retirees / high net worthLenders divide your total liquid assets (savings, investments, retirement accounts) over the loan term to calculate qualifying income.
- No employment required
- Retirement accounts count
- Works with zero monthly income
P&L Statement Loans
Best for business ownersA CPA-prepared Profit & Loss statement for the last 12–24 months is used instead of tax returns. Ideal when write-offs make tax income look low.
- CPA letter accepted
- Reflects true business income
- Faster approval process
Conventional with 2-Year Average
Best for commission earnersFannie Mae and Freddie Mac allow commission, bonus, and self-employment income averaged over 2 years — even if recent income is lower.
- Lower rates than non-QM
- FHA/VA options available
- Counts overtime & bonuses
The Process
How Denise Helps Non-Traditional Buyers
From income review to closing day — a clear, guided process designed for buyers with complex income.
Free Strategy Call
Denise reviews your income situation and identifies the best loan path — before you talk to any lender.
Lender Matching
Get connected with lending professionals who specialize in non-traditional income. Not every lender offers bank statement or DSCR loans.
Pre-Approval
Get a solid pre-approval letter that reflects your true buying power — not just what W-2 borrowers qualify for.
Home Search & Offer
Denise represents you through the entire purchase — negotiating the best price and terms for your target property.
Close & Move In
From contract to keys, Denise manages the process so nothing falls through the cracks — especially with non-traditional financing.
Why Denise
27 Years of Real Estate Experience. She Knows the Lenders Who Say Yes.
Most real estate agents hand you a lender referral and step back. Denise stays involved — because non-traditional income buyers need an advocate who understands the financing side as well as the real estate side.
- 27 years of real estate experience
- Texas Real Estate Broker — TREC #613383-B
- Relationships with lenders who specialize in non-QM loans
- Investor, buyer, and seller representation
- Free buyer representation — no cost to you
Start Here — Free Consultation
Let's Review Your Income Situation
In one conversation, Denise can tell you which loan programs fit your income type, what down payment you'll need, and what DFW price range you can realistically target.
Free buyer representation · TREC #613383-B · NB Elite Realty
FAQ
Common Questions from Non-Traditional Income Buyers
Related Resources
Ready to Get Started?
Don't Let Your Tax Return
Define Your Buying Power.
One free conversation with Denise can show you exactly what you qualify for — and which DFW neighborhoods fit your budget. No pressure, no obligation.
Denise Abrams · Texas Real Estate Broker · TREC #613383-B · NB Elite Realty #592599-BB