Who might consider this option?
Self-employed borrowers exploring an eligible P&L documentation option after comparing available financing approaches.
What we’ll talk through
The acceptable preparer, reporting period, supporting evidence, ownership and calculation method must be confirmed for the actual program. A P&L-only label does not mean every lender uses the same requirements.
Costs and tradeoffs to compare
Review documentation, payment, equity contribution, reserves and costs together. We can discuss what a current investor requires before you order new documents.
Useful starting information
Bring what you have. This is a starting list for a conversation, not a final underwriting checklist.
- Business name, ownership and history
- Available profit-and-loss information and preparer details
- Purchase or refinance goals, assets and property details
Should I order a new CPA-prepared P&L before we talk?
Start with a conversation. The required preparer and supporting evidence can vary; confirming the execution first can help avoid unnecessary document requests.
Prepared for Mike Graves’s website · October 19, 2026. These introductory guides do not replace current program guidelines.
Keep exploring
Compare other loan paths · Condominium financing · Prepare for your conversation