Tax write-offs can make it look like you earn less than you do. Through our network of lenders, Fluxx offers a wide range of programs built for business owners and non-traditional income, so your mortgage reflects what you really earn.
Every borrower is different. We'll review your situation and match you with the program that fits best.
Business write-offs lower your taxable income. That helps at tax time, but it can make you look like you earn less on a standard mortgage application. Many banks only offer programs based on tax returns. As a broker, Fluxx has access to programs that look at how your money actually comes in.
Not always. Depending on your situation, you may be able to qualify with:
If your tax returns already show strong income, a conventional loan may still be your best option. We'll compare both.
Many programs look for two years of self-employment. Some allow less, especially if you worked in the same field before starting your business. We'll review your history and tell you which programs fit.
They can. Alternative documentation programs often cost somewhat more and may require a larger down payment, in exchange for flexible qualifying. We'll lay out your options side by side so you can decide with clear numbers. If your income documentation changes later, you may be able to refinance into a conventional loan.
Many of them, yes, depending on the program. Investors buying rentals can also use DSCR loans, which qualify based on the property's rental income instead of personal income.
