Self-employed financing qualified on a profit-and-loss statement prepared by your CPA, Enrolled Agent or licensed tax preparer — not your tax returns.
Instead of tax returns, your income comes from a recent profit-and-loss statement prepared by an independent licensed professional.
The lender typically confirms the P&L's revenue against a few months of business bank statements, then qualifies you on the net income.
We compare it against a bank statement loan for your file and use whichever presents your income most accurately.
For self-employed borrowers in Tampa, a CPA P&L loan qualifies income from a profit-and-loss statement prepared by a licensed tax professional, instead of tax returns.
For context, the median value of owner-occupied homes in Tampa is $420,400, according to the Census Bureau's 2020–2024 American Community Survey.
It can finance a primary home, a second home or an investment property, subject to the lender's guidelines.
Every borrower’s situation is different, so the right next step is a conversation about your income, savings and timeline.
Sources: U.S. Census Bureau, American Community Survey 2020–2024; HUD 2026 FHA limits; FHFA 2026 conforming limits. Loan limits are for Hillsborough County, where most of Tampa’s residents live.
A CPA or other licensed tax preparer who knows your business. The lender may verify it with them.
It depends on which shows your income more accurately. We look at both before you choose.
CPA P&L Loans nearby: St. Petersburg, Orlando, Cape Coral
Tell us what you're planning. Our team reviews every scenario, compares programs from multiple lenders, and gets back to you the same business day.
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The Young Group. Loans arranged through Lendwise Mortgage, Inc., NMLS #2702455. Loan officer NMLS #62043, CA DRE #01371572.
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David Young, NMLS #62043. Lendwise Mortgage, NMLS #2702455. NMLS Consumer Access.
Lendwise Mortgage, Inc., NMLS #2702455, Florida License #MLD2728. David Young, NMLS #62043.
This is not a commitment to lend. All loans are subject to credit approval, underwriting and property eligibility. Equal Housing Opportunity.