Where can I get a P&L loan near me in Marina del Rey?

Save Financial's Marina del Rey office is at 13763 Fiji Way, Suite EU2, Marina del Rey, CA 90292. We are a licensed California mortgage broker (NMLS #377740, DRE #01875766) and shop P&L statement loans across multiple lenders for self-employed borrowers. Call (310) 759-4757.

Do I need tax returns for a P&L loan?

No. A P&L loan uses your CPA-prepared profit-and-loss statement to qualify income, not tax returns or W-2s.

Can I take cash out with a P&L loan?

Yes. Cash-out on P&L programs typically caps around 75% LTV. We compare lenders to find your best structure.

How is a P&L loan different from a bank statement loan?

A P&L loan qualifies you on a CPA-prepared profit-and-loss statement; a bank statement loan qualifies you on 12–24 months of deposits. We can run both and use whichever gives you more income.

Can real-estate investors use a P&L loan?

Yes. Investors whose depreciation and Schedule E losses reduce taxable income often use P&L loans to qualify on their actual business profit.

Is a P&L loan subprime?

No. It's a Non-Qualified Mortgage (Non-QM) — outside the tax-return-based Qualified Mortgage box — but built for creditworthy self-employed borrowers, not subprime.

Which areas do you serve from this office?

All of Westside and beyond — including Marina del Rey, Venice, Playa del Rey, Playa Vista, Santa Monica, Culver City, and more — plus every California county.

P&L Statement Loans · Marina del Rey, CA

P&L Loans in Marina del Rey — Local Profit-and-Loss Statement Mortgages for the Self-Employed from Save Financial

A P&L loan (profit-and-loss statement loan) in Marina del Rey qualifies self-employed borrowers on a CPA-prepared profit-and-loss statement instead of tax returns. Save Financial (NMLS #377740), a local mortgage broker at 13763 Fiji Way, Suite EU2, shops multiple lenders so your books — not your write-offs — tell the story. Call (310) 759-4757.

The Westside runs on self-employed income. Around the marina you'll find charter and boat businesses and hospitality operators; Venice and Abbot Kinney run on design, retail, and creative studios; Culver City and Playa Vista feed off the studio and Silicon Beach tech economy; and West LA and Santa Monica are thick with consultants, agencies, and medical and legal practices. A large share of these earners are paid on 1099, through an LLC, or in ways their tax returns understate after legitimate write-offs. For all of them, the deposits and the books tell a truer story than a trimmed return — which is why flexible documentation matters more here than in most markets, and why a broker who compares programs is worth the call.

Looking for a P&L Loan Near You in Marina del Rey?

Our Westside home office lets a business owner review a CPA-prepared profit-and-loss statement with a licensed loan officer and see the qualifying income it produces — in person, not through a call center.

Save Financial — Marina del Rey office
13763 Fiji Way, Suite EU2, Marina del Rey, CA 90292
Phone: (310) 759-4757
Hours: Monday–Friday 7:00 AM–7:00 PM, Saturday 9:00 AM–3:00 PM PT

The office is just off Fiji Way near the main channel of the marina, with convenient parking and quick access from Lincoln Boulevard and the 90 Marina Freeway. We serve Westside self-employed owners from our Marina del Rey office across the neighborhoods below.

Areas We Serve Near Our Marina del Rey Office

P&L loans fit owners with organized books across the areas we cover from Marina del Rey:

Marina del Rey: agency and hospitality owners with clean CPA books but write-off-heavy returns.
Venice: design studios and shops whose P&L shows real profit.
Playa del Rey: small-business owners with a CPA-prepared statement.
Playa Vista: startup founders and consultants who keep professional books.
Santa Monica: agency and firm owners qualifying on profit, not taxable income.
Culver City: media and production companies with organized financials.
West Los Angeles: professional-practice owners with CPA statements.
Mar Vista: established freelancers and owners with clean P&Ls.
Westchester: local business owners near LAX with bookkeeping in order.

These are service areas of our Marina del Rey office, not separate offices.

How a P&L Loan Works

A P&L loan qualifies you on a CPA-prepared profit-and-loss statement rather than tax returns. Because a professional has already organized your income picture, underwriting is often streamlined. It's a Non-QM program built for self-employed owners whose returns understate their real earnings — for example, an owner whose return shows $90,000 in net income but whose usable income is closer to $185,000.

P&L loans work for purchase and refinance, cash-out on P&L programs typically caps around 75% LTV, and real-estate investors often use them when depreciation and Schedule E losses reduce taxable income.

On the Westside, that fits a creative studio owner, a boutique-agency principal, or a Silicon Beach consultant whose Schedule C is trimmed by real business costs: the CPA statement puts the actual profit back on the table, and because we broker across lenders, we place it where the LTV cap and pricing land best for your file.

Common P&L Scenarios for Westside Owners

An owner with a clean CPA P&L whose tax return understates income after write-offs.
A buyer purchasing a Westside home on profit rather than taxable income.
A cash-out refinance up to about 75% LTV using the P&L.
A real-estate investor whose Schedule E losses depress their return.
An owner who prefers a CPA statement over pulling 12–24 months of bank statements.

Is a P&L Loan Right for You?

You're self-employed with a CPA who prepares your profit-and-loss statement.
Your tax returns understate income because of legitimate write-offs.
You're buying or refinancing (cash-out generally to about 75% LTV).
You'd rather qualify on organized books than on 12–24 months of deposits.

P&L vs. Bank Statement vs. 1099 vs. Full-Doc

All qualify self-employed borrowers, but they prove income differently:

Documentation path	Income proof	Tax returns?	Who it fits in Westside
Bank statement	12–24 months of deposits	No	Westside owners whose write-offs shrink taxable income
Profit & loss (P&L)	CPA-prepared P&L	No	Westside owners with clean CPA-prepared books
1099	Your 1099 forms + a reasonable expense factor	No	Westside 1099 contractors and gig workers
Full-doc	Tax returns & W-2s	Yes	Westside W-2 or clean-return borrowers

Because we broker across lenders, we can compare a P&L, bank-statement, and 1099 approach and use whichever qualifies you for the most.

Why Work With a Local Marina del Rey Mortgage Broker?

P&L guidelines — how a statement is treated, LTV caps, and pricing — vary by lender. As a broker, Save Financial shops many at once and places your file where your books produce the best result. Our office is in Westside, so we know the Westside’s studios, agencies, and professional practices firsthand.

You can meet us in person, review your P&L, and get straight answers from a licensed local loan officer. Call the Marina del Rey office directly at (310) 759-4757.

How to Get a P&L Loan with Save Financial

Have your CPA prepare (or update) your profit-and-loss statement. Start online or call (310) 759-4757.
We compare how lenders treat the P&L and the income each will use.
We shop your file and place it with the best fit.
Close on your purchase or refinance without tax returns.

Serving Marina del Rey: Save Financial arranges these loans in Marina del Rey and across Westside Los Angeles from our Marina del Rey office. We are a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766), Equal Housing Opportunity, and shop multiple lenders for your best terms. This page is informational and not a commitment to lend; all loans are subject to credit approval, income and property review, and program availability. Call 310-759-4757 or apply online.