Bottom Line Up Front
One of the most flexible self-employed options — qualify using a CPA-prepared P&L covering the most recent 12 months.
Overview
One of the most flexible self-employed options — qualify using a CPA-prepared P&L covering the most recent 12 months.
Who Qualifies?
Self-employed 2+ years. Licensed CPA-prepared P&L. 660+ credit. 10-20% down.
Key Benefits
- ✓Minimal documentation
- ✓CPA-verified income
- ✓Faster processing
- ✓No bank statements needed
✅ Pros
- Simple docs
- CPA credibility
- Fast approval
⚠️ Considerations
- Higher rates
- CPA cost
- Limited availability
California-Specific Information
Popular in California for business owners with multiple entities or complex banking arrangements.
Rates & Pricing
Comparable to bank statement rates — 1-2% above conventional.
Why Choose Save Financial for P&L Loans?
Save Financial is a trusted California mortgage broker (NMLS #377740) with 45 years of combined experience and relationships with 20+ wholesale lenders. We specialize in finding the best p&l loans rates and terms for California borrowers. Our $500 price guarantee means if we can't beat another lender's offer, you get $500. We serve 60+ California cities from our offices in Newport Beach and Marina del Rey, and our team speaks English and Spanish.
Call (888) 703-1840 or get a free quote online — open 7 days a week, 9AM–8PM.
$500 Cash Loan Price Match Guarantee
Get a written offer from any lender. If Save Financial cannot beat it for the same product, we pay you $500 cash.
NMLS #377740 · DRE #01875766 · Call (888) 703-1840
Reviewed By
Mike Baasti, Licensed Mortgage Broker
Founder of Save Financial, Inc. (NMLS #377740) in Newport Beach, CA. 20+ years in residential and investment lending across conventional, FHA, VA, jumbo, hard money, bank statement, and specialty mortgage programs.