The Unique Challenge
Self-employed hona azadi aur mawaqe lata hai, magar mortgage ke mamle mein lenders ko "stability" chahiye hoti hai. Traditional employees ke paas W-2 hote hain, magar aapko apni income prove karne ke liye "Tax Strategy" ki zaroorat hoti hai.
Who is Considered Self-Employed?
Agar aap kisi business ke 25% ya us se zyada ke malik hain, to aap is category mein aate hain:
- Sole Proprietors
- Freelancers / Contractors
- S-Corp Shareholders
- LLC Members
- Partnerships
- C-Corp Owners
Required Documentation
2026 mein qualify karne ke liye aapko ye documents mukammal rakhne chahiye:
Pichle 2 saal ke federal tax returns (Schedules C, E, ya F ke sath).
Agar aapka business Partnership ya S-Corp hai (Forms 1065, 1120S).
Year-to-date statement jo halia mahino ki performance dikhaye.
Income Calculation Logic
Lenders aam tor par 2 saal ki net income ka average nikalte hain. Lekin "Depreciation" jaise non-cash expenses ko wapas add kiya jata hai.
Net Profit 2024: $75,000 | Net Profit 2025: $85,000 + Depreciation: $10,000
($75,000 + $95,000) ÷ 2 = $85,000 (Qualifying Income)Strategic Loan Options
| Loan Program | Best For | Credit Requirement |
|---|---|---|
| Conventional | Stable income & high deductions | 620+ Score |
| FHA Loans | Low down payment (3.5%) | 580+ Score |
| Bank Statement | Tax write-offs zyada hon | 12-24 Months Statements |
| Asset Depletion | High liquid cash, low taxable income | Asset-based qualifying |
2026 Market Insights
Lending environment ab behtar ho raha hai:
- One-Year Tax Return: Behtareen credit par lenders ab sirf 1 saal ka data mangte hain.
- Digital Verification: Gig economy aur freelancers ke liye process fast ho gaya hai.
- OBBBA 2026: Naye tax laws ke tehat business expenses ki categorization behtar ho gayi hai.