Conforming and non-conforming mortgage programs have traditional means for qualifying self-employed borrowers. Sometimes a knowledgeable loan origination team can actually make the difference between qualifying or not. This may be simply by identifying certain business deductions that can in fact be added back in; and thus allow underwriting to qualify more income.

There are also "Non-QM" mortgage programs which use non-traditional means of verifying income such as bank statements and/or P&L Statements from a CPA.