Loan Program
P&L Only Mortgages in Colorado
Sometimes a CPA-prepared profit & loss statement is all it takes. The leanest documentation path for established business owners.
Overview
A P&L can be enough.
On a P&L Only loan, a CPA, EA or licensed tax preparer prepares a profit and loss statement for your business covering a recent period, and that statement drives your qualifying income — often with no bank statements or tax returns required. For established, profitable business owners, it is the fastest, cleanest way to qualify.
Who it is for
Is this the right program for you?
- Established business owners (2+ years)
- Borrowers with a CPA, EA or tax preparer
- Self-employed buyers wanting minimal documentation
- Owners with strong, provable profitability
- Luxury and jumbo buyers
- Borrowers who value speed and privacy
Highlights
Why borrowers choose this program
CPA-prepared P&L
Your preparer’s profit & loss statement anchors the income calculation.
Often no bank statements
Streamlined documentation on eligible scenarios.
No tax returns
Keep your filings out of the underwriting file.
Jumbo eligible
Suited to higher loan amounts and luxury properties.
Primary or investment
Flexible occupancy options.
Fast to close
Fewer documents means a faster path to the keys.
Ready to explore P&L Only Loans?
Every scenario is different. Let’s talk through yours. Call (303) 557-3846 or start online.