Income Type · Florida
Self-Employed Buyer in Florida
Run your own business in Florida? Get approved on bank statements, P&Ls, or assets — not just two years of tax returns.
Common challenges we solve
- Tax returns show low net income after write-offs
- Newer business under two years
- Variable monthly income
- Banks keep asking for more paperwork
What you get with Lumos
12 or 24-month bank-statement programs
1-year tax-return options for established businesses
P&L only for CPAs and licensed professionals
Loan programs that typically fit
Frequently asked
- How many months of bank statements?
- 12 or 24 — we'll use whichever shows you in the best light.
- Can I use business and personal accounts?
- Yes — we'll calculate qualifying income using a business expense ratio.
- What about my last tax return that wasn't great?
- Bank-statement and P&L programs ignore tax returns entirely.
