Refer a self-employed client. We qualify them without tax returns.
Your buyer is a business owner with strong cash flow, but their tax returns are full of write-offs and a conventional lender said no. Send them to us. We qualify on the deposits and income they actually have, hand back a pre-approval they can write offers with, and keep you in the loop the whole way.
Why your self-employed client got denied — and why we say yes
Conventional underwriting uses the net income on the tax return, after every write-off. A great business can look like it barely earns a living. We use the real cash flow instead. If one income path is weak, we pivot to another. Here are the programs at a glance.
| Program | How we qualify income | Min down | Min FICO |
|---|---|---|---|
| Bank statement | 12–24 months of deposits, with expense factors | 10% | 620 |
| 1099 only | One year of 1099s, expense factor applied | 15% | 660 |
| P&L only | CPA-prepared profit & loss statement | 10% | 680 |
| Asset-based | Qualify on liquid assets (ability-to-repay) | 20% | 620 |
| WVOE | Employer verification — no tax returns | 15% | 620 |
Bank-statement income uses standard expense factors, never 100% of deposits. Figures are typical guidelines as of June 2026 and vary by program and approval. Compare the full menu on our programs page.
How the referral works
- 1
You send the client
Use the form below or call Mike. We just need your client's name and number, plus a line on their income type if you know it.
- 2
We qualify them on real cash flow
Same-day outreach. We match them to the right program — bank statement, 1099, P&L, or asset-based — and run the numbers honestly.
- 3
You stay in the loop
You stay the agent. We send a pre-approval your client can write offers with and keep you posted at each step. No cost, no obligation.
Refer a client
Takes a minute. We contact your client the same business day.
Questions agents ask
How do I refer a self-employed client?
Use the form on this page or call Mike Certo at (480) 296-6513. Send your name and your client's name and phone number. We reach out to your client the same business day, qualify them on their real cash flow, and keep you updated through closing.
Will my client need two years of tax returns?
No. Self-employed clients qualify on bank statements, 1099s, a profit-and-loss statement, or assets instead of tax-return net income. Bank-statement income uses standard expense factors, never 100% of deposits. Every file is subject to full credit, asset, property, and ability-to-repay review.
Do I stay the agent on the deal?
Yes. You stay your client's real estate agent. We handle only the financing, send you a pre-approval your client can write offers with, and keep you in the loop at each step. There is no cost to refer.
What does it cost me to refer?
Nothing. Referring a client is free and there is no obligation. If we are not the right fit for your client, we will tell you and point them somewhere that is.
Have a client who keeps getting denied?
Send them over. We qualify self-employed buyers on real cash flow, statewide across Arizona.