NEO Home Loans helps entrepreneurs, self-employed professionals, and 1099 earners qualify for home and investment financing using their real financial story, not just what’s on their tax return.
You’ve built a profitable business. You manage cash flow, take smart deductions, and reinvest constantly - exactly what successful entrepreneurs do. But the moment you apply for a mortgage, the system punishes you for it.
Traditional lenders want W-2s, pay stubs, and tax returns that show high income. You’re running a business, not collecting a paycheck. The problem isn’t your income - it’s the outdated lending model.
Our specialized mortgage programs are aligned with how entrepreneurs actually earn and build wealth. No W-2s. No corporate red tape. Just clear, strategic financing built around your goals.
We make sure your tax strategy and your financing strategy work together, giving you access to mortgages and credit lines that reflect your true financial strength.
When Banks Say “No”, NEO Says “YES!”
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We use your real financial story to match you with the right program, then stay with you as your long-term strategy partner.
A quick side-by-side view to help you choose the right path based on how you earn and what you’re buying.
| Feature | Conventional Loan | Entrepreneur Advantage Program | DSCR Loan | Bank Statement Loan | Asset-Based Mortgage |
|---|---|---|---|---|---|
| Income Verified By | Tax Returns / W-2s | None Required No tax returns, W-2s, employment, or DTI |
Rental Property Cash Flow | 12 Months of Bank Statements | Assets (60 Days) |
| Documentation Needed | Full Tax Package | Assets + Credit + Reserves Income is not documented or calculated |
Leases / Market Rents | Bank Statements Only | Asset Statements |
| Minimum Down Payment | 5% | 20% down (80% LTV) | 15% | 10% (No MI) | 10% (No MI) |
| Loan Limits | Conforming Limits | Up to $2M 1 to 4 units allowed |
Up to $5M | Up to $4M | Up to $4M |
| Best For | W-2 Employees | Borrowers with strong assets, credit, reserves | Real Estate Investors | Self-Employed / 1099 | Investors With Assets |
Qualify using deposits, business cash flow, or 1099 income instead of W-2s.
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Start qualifying sooner with consistent deposits or strong assets.
Use assets and property cash flow to qualify for your next purchase or refinance.
Our team understands the unique challenges of building wealth outside the 9 to 5 system.
We’re more than a mortgage company. We’re a long-term partner in your real estate wealth strategy.
“NEO helped us qualify using business deposits when our tax returns showed almost no income. We closed and still kept cash in the business.”
- Entrepreneur Client
“They understood our multiple entities and complex income better than any bank we talked to.”
- Business Owner
“The team moved fast so we could compete on an investment property.”
- Real Estate Investor
Josh leads an experienced team of mortgage advisors who specialize in serving entrepreneurs, investors, and self-employed professionals. As a real estate investor with a large national portfolio, he understands the realities of cash flow, leverage, and smart tax planning.
His mission is to help growth-minded entrepreneurs access the mortgage and home equity solutions they need to keep building wealth without being limited by outdated lending rules.
Yes. Self-employed borrowers often get declined because tax returns do not reflect true cash flow. We help entrepreneurs qualify using alternative documentation.
Yes. Many programs can use a mix of 1099s, bank statements, and assets to verify income strength, especially when deductions reduce taxable income.
It may be possible if you have consistent deposits, strong assets, and a documented background in the same line of work. We’ll review your scenario and match you to the best path.
Often yes, depending on your overall profile and the program. Some options focus on deposits and assets rather than a strict two-year history requirement.
It depends on the loan type. Conventional loans lean on tax returns. Bank statement loans focus on deposits. Asset-based programs focus on liquid assets. DSCR focuses on rental income potential.
Conventional loans often prefer two years. Other programs can work with less time depending on deposits, assets, credit, and reserves.
Yes. Asset depletion and asset-based mortgage programs may allow you to qualify using liquid assets instead of tax return income.
Usually no. Some scenarios may request additional documentation, but many entrepreneur-focused programs emphasize bank statements, assets, and reserves.
These loans qualify you using deposits shown on personal or business statements, typically over 12 to 24 months, rather than relying on tax returns.
Asset depletion converts liquid assets into a qualifying monthly income calculation so you can qualify without emphasizing tax return income.
Yes. Depending on the program, business deposits and supporting documentation can be used to demonstrate the strength and consistency of income.
Common solutions include bank statement loans, asset depletion loans, and DSCR loans for investment properties. The right fit depends on your goals, assets, and how you earn.
Low taxable income is common with smart deductions. We often focus on deposits, assets, reserves, and the right program so your real financial picture is reflected.
Timelines vary by program and documentation, but our process is designed to be efficient once we have the right information upfront.
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