Mortgage programs
built around how
you actually earn.
Bank statements, P&L, 1099s, or liquid assets — TaxFlex™ offers six loan programs for self-employed borrowers in Texas. No tax returns required.
- i.You write off significant business expenses and show low taxable income
- ii.Your deposits are strong, but they don't match your returns
- iii.You earn 1099, commission, or variable income
- iv.A traditional lender has already declined your application
- v.You hold significant liquid assets and prefer to qualify on those alone
“I'd been told no by two banks. Nick found me a path using bank statements and we closed in 28 days. The process was cleaner than any mortgage I've done before.”
“My write-offs made my tax returns look terrible even though I make great money. TaxFlex understood that immediately. No one else even tried.”
“I've referred three clients to Nick since my own closing. The level of detail and expertise here is unlike anything I've seen in this industry.”
Six paths to qualification
Bank Statement Loan
Use 12 or 24 months of personal or business bank statements to qualify. No tax returns. No W2s. Ideal for business owners with strong deposits.
Learn more →P&L Only Loan
A CPA-prepared profit and loss statement is your income proof. Perfect for invoice-based businesses where deposits alone don't capture the full picture.
Learn more →Asset Qualifier
Qualify using liquid assets — savings, investments, or trust accounts. No income documentation required. No employment history needed.
Learn more →1099-Only Loan
Your 1099 forms speak for themselves. No tax returns required. Built for consultants, commission earners, and independent contractors.
Learn more →1-Year Tax Return
Newer businesses and growing incomes often look worse on paper than they are. We qualify on one year of returns instead of two.
Learn more →DSCR Investor Loan
The property qualifies itself. Investment loans based on the rental property's cash flow — your personal income is irrelevant.
Learn more →When your client can't qualify on their returns
CPAs, attorneys, financial advisors, and business bankers — when a client needs a mortgage and their tax returns won't cooperate, we find the path.
Learn About Our Partner Program →