Bank Statement – P&L Only
Alternative Income Programs
A Mortgage for the Self-Employed Clients
Perfect for self-employed borrowers that have issues proving income with full documentation.
We can qualify with bank statements or P&L and use asset allowance to get your borrowers into homes.
- No tax returns necessary
- Qualify with bank statements or P&L only
- Loan amounts up to $6MM
With multiple income calculation methods, BluEleven helps self-employed borrowers maximize their business earnings to qualify for our industry-leading bank statement program. Own multiple businesses? No problem. We can even include a spouse’s W2 income if needed—no tax returns required!
Optima
- Qualify with 12- or 24-month bank statements
- Qualify with P&L only. Include assets if needed.
- Loans from $300K to $6M
- Up to 90% LTV
- Min. FICO score: 660
- I/O payment option available
- Primary residences, second homes, or 1‐4 unit investment properties
Optima Plus
- Qualify with 12- or 24-month bank statements
- Qualify with P&L only. Include assets if needed.
- Loans from $300K to $3M
- Up to 85% LTV
- Min. FICO score: 660
- I/O payment option available
- Primary residences, second homes, or 1‐4 unit investment properties
If you can dream it you can own it
Second Home or Investment Property
Imagine waking up to breathtaking ocean views or the serene beauty of the mountains—your dream vacation home, finally yours. With BluEleven’s amazing Bank Statement programs, we make it easier than ever for self-employed borrowers to qualify without the hassle of tax returns. Whether it’s a cozy cabin, a beachfront retreat, or a luxury getaway, we’re here to turn your vision into reality. Let us help you secure the perfect escape for you and your loved ones. Own your next vacation home with ease—qualify with BluEleven today!
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