Can I qualify with just my 1099s?

Yes, you can qualify using one or two years of 1099s or a recent P&L.

Do I need a CPA to prepare my P&L?

Yes, a certified CPA statement is typically required.

Are 1099 loans for primary or investment homes?

Investment and non-owner-occupied properties only.

Can I use this with an LLC?

Yes, loans can be structured under personal or business entities.

1099 / P&L Loans

Streamlined Financing for Self-Employed Professionals

Creare Capital Lending’s 1099 and Profit & Loss (P&L) Loan Programs make it simple for self-employed borrowers and independent contractors to qualify for real estate financing using alternative income documentation.

We use verified 1099 forms or CPA-prepared P&L statements to assess income—offering flexibility and faster approvals without full tax documentation.

Program Highlights

Loan Amounts: $100K – $3M

Up to 80% LTV

1099 or CPA P&L Statement Accepted

No Tax Returns Needed

30-Year Terms Available

Fast Closings

Interest-Only Available

Frequently Asked Questions (FAQ)

Can I qualify with just my 1099s?
Yes, you can qualify using one or two years of 1099s or a recent P&L.
Do I need a CPA to prepare my P&L?
Yes, a certified CPA statement is typically required.
Are 1099 loans for primary or investment homes?
Investment and non-owner-occupied properties only.
How fast can this loan close?
Typically within 3–4 weeks.
Can I use this with an LLC?
Yes, loans can be structured under personal or business entities.

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