The Amres

P&L Only

Program

Unconventional qualification options for unconventional borrowers.

The Amres

P&L Only

Program

Are you looking to qualify for a loan but have not yet filed your tax returns? Our P&L Only loan may be your best option.
The P&L Only program is designed for borrowers who are self-employed and would benefit from an alternative loan qualification method. A CPA/CTEC/EA completed and signed P&L may be used as an alternative to tax returns to document a self-employed borrower's income. The standard default factors for P&L only are 20% for a service business and 40% for a product business. Service Business: Offer services such as Accounting, Consulting, Counseling, Financial Planning, Insurance, Therapy...etc. Product Business: Sells goods such as Food Services, Manufacturing, Restaurant, and Retail...etc.
See Our Rates

Product Features

Loans up to $4 Million for Primary to 65% LTV
Loans up to $3.5 Million for Secondary to 75% LTV
Loans up to $3.5 Million for investment to 75% LTV
Purch-R/T up to 85% LTV
Cash Out up to 80% LTV
Maximum DTI 55%

Ready to gain access to our powerful suite of lending programs?

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Frequently Asked Question

How can I get approved to use your portal?

Our approval process is quick and easy. You can either start by filling out the Become a Partner form here on our website, or you can speak to one of our Account Executives who will provide you with a full application and make sure that you're getting the help you need.

How long does it take to get approved?

48 hours is always our goal. You don't have to wait that long to get loans started though. Get in touch with one of our account executives and they can get your loan into the pipeline while we work on the setup process.

Do I have to be approved before I can start a loan?

No! We can do both at the same time so you don't waste anytime. Begin processing your loan while we work on getting you setup so by the time you are, your loan is already working through the pipeline.