Where can I get a self-employed mortgage near me in Marina del Rey?

Our Marina del Rey office at 13763 Fiji Way, Suite EU2, Marina del Rey, CA 90292 arranges self-employed mortgages for Westside business owners. Save Financial is a licensed California mortgage broker (NMLS #377740, DRE #01875766) that compares many self-employed lenders — conventional, bank statement, P&L, 1099, asset-based, and DSCR. Call (310) 759-4757.

Can I get a self-employed home loan without tax returns?

Yes. Bank-statement, P&L, 1099, asset-based, and no-ratio programs all qualify you without tax returns. Which one fits depends on how your business earns — we'll match it.

Which self-employed loan qualifies me for the most?

Usually whichever counts gross cash flow rather than post-deduction net — often a bank-statement or P&L loan. If your write-offs leave taxable income low, these frequently approve you for more than a tax-return loan.

How does a bank statement loan work?

The lender averages 12–24 months of your deposits and applies an expense factor to estimate income — no tax returns. It's ideal when write-offs make your returns look smaller than your business really is.

I'm a 1099 contractor — what are my options?

You can often qualify directly on your 1099 income, or use a bank-statement or P&L program. For a rental purchase, a DSCR loan qualifies on the property's rent instead.

Is a self-employed loan more expensive?

Conventional (with add-backs) is typically the lowest cost. Non-QM options run modestly higher because they use alternative documentation — but they often qualify you for substantially more, which can be the better trade.

Are you a bank or a broker?

We're an independent mortgage broker (NMLS #377740, DRE #01875766). For self-employed files especially, comparing many lenders at once is what turns a decline into a close.

Which Westside areas do you serve from this office?

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

Self-Employed · Marina del Rey, CA

Self-Employed Mortgages in Marina del Rey — Six Ways to Qualify, Often Without Tax Returns

Self-employed and buying in Marina del Rey? You have several ways to qualify — conventional add-backs, bank statement, P&L, 1099, asset-based, or DSCR — and the right one can raise your qualifying income substantially, often without tax returns. Save Financial (NMLS #377740), a local broker at 13763 Fiji Way, Suite EU2, compares self-employed lenders to find your best fit. Call (310) 759-4757.

The Westside runs on self-employment — studio freelancers, agency owners, consultants, restaurateurs, real-estate and tech founders. The problem is almost never income; it's that write-offs make the tax returns look small. The fix is choosing the right way to document it. There isn't one 'self-employed loan' — there are several, and the method you pick can raise your qualifying income substantially. Our job is to look at your business and point you to the one that gets you approved for the most, at the best terms.

Looking for a Self-Employed Mortgage Near You in Marina del Rey?

Our Westside home office lets a business owner sit down in person with a licensed loan officer, walk through how the business actually earns, and pick the documentation method that qualifies for the most — not a distant call center reading one rulebook.

Save Financial — Marina del Rey office
13763 Fiji Way, Suite EU2, Marina del Rey, CA 90292
Phone: (310) 759-4757
Hours: Monday–Friday 8:00 AM–5:00 PM, Saturday 10:00 AM–2:00 PM (Sunday closed) 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 buyers from our Marina del Rey office across the neighborhoods below.

Areas We Serve Near Our Marina del Rey Office

Here is how self-employed financing tends to fit for buyers across the areas we cover from Marina del Rey:

Marina del Rey: agency owners and consultants choosing the right documentation method.
Venice: creative freelancers and founders with heavy write-offs.
Playa del Rey: small-business owners buying near the coast.
Playa Vista: tech founders and contractors qualifying without tax returns.
Santa Monica: established business owners maximizing qualifying income.
Culver City: studio and media freelancers near the production corridor.
West Los Angeles: professionals and 1099 earners with variable income.
Mar Vista: sole proprietors and LLC owners buying a primary home.
Westchester: gig and contract workers near LAX documenting income flexibly.

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

The 6 Ways a Self-Employed Buyer Can Qualify

There is no single ‘self-employed loan.’ There are several ways to document income, and the one we choose can change your approval dramatically — because programs like bank-statement and P&L count gross cash flow rather than your post-deduction net. Here are the six paths, and where each fits:

Way to qualify	What it uses	Best for	Learn more
Conventional (add-backs)	2 years of tax returns, with deductions added back	Strong net income after add-backs	Conventional
Bank statement	12–24 months of deposits with an expense factor	Steady deposits but big write-offs	Bank statement
Profit & loss (P&L)	A CPA-prepared profit-and-loss statement	Established business with clean books	P&L loan
1099 income	Your 1099s directly	Contractors and gig workers	1099 loan
No-ratio (no-doc)	No income stated — credit, reserves, assets	Primary residence, won't document income	No-ratio
DSCR	The property's rental cash flow	Buying a rental / investment	DSCR

Time in business matters too: conventional generally wants two years of returns, but some non-QM lenders allow one year (occasionally less) with strong deposits and prior experience in the same field. If your write-offs leave taxable income too low, a bank-statement or P&L loan usually approves you for more. Conventional (with add-backs) is a QM loan; bank-statement, P&L, 1099, asset-based, and no-ratio are non-QM programs. All loans subject to credit approval, documentation, and property review. Save Financial, NMLS #377740, DRE #01875766, Equal Housing Opportunity.

Common Self-Employed Scenarios in Westside

A Venice agency owner with big write-offs qualifying on 12–24 months of bank deposits.
A Santa Monica consultant using a CPA-prepared P&L instead of tax returns.
A 1099 contractor near Culver City qualifying directly on their 1099s.
A founder under two years in business approved on strong deposits and experience.
An asset-rich owner using a no-ratio loan on a Westside primary residence.

Which Path Is Right for You?

Solid net income after add-backs — conventional may be cheapest.
Big write-offs but steady deposits — bank statement usually qualifies you for more.
Clean books and a CPA — a P&L loan is fast and simple.
Mostly 1099 income — qualify on the 1099s; buying a rental — DSCR on the rent.

Self-Employed: QM vs. Non-QM

The six methods split into two families — here's the practical difference:

	Conventional (add-backs)	Non-QM (bank statement / P&L / 1099 / no-ratio)
Documentation	Two years of tax returns	Alternative docs (deposits, P&L, 1099) or none
Qualifying income	Net, after deductions	Gross cash flow — usually higher
Time in business	Generally two years	One year sometimes accepted
Typical cost	Lowest	Modestly higher for the flexibility

We price both families for you — sometimes the conventional add-back path wins, sometimes a non-QM program qualifies you for far more. It depends on your numbers.

Why Work With a Local Marina del Rey Mortgage Broker?

This is the whole value of a broker: we compare many self-employed lenders at once, so your write-offs, business structure, or short history don't automatically sink the file — that's often the difference between a decline and a close. Our office is in Westside, so we know local values, the freelance and studio economy, and how to package a self-employed file cleanly.

Bring two years of returns (or none), your bank statements, and your CPA's P&L if you have one, and we'll tell you which path wins. Call the Marina del Rey office directly at (310) 759-4757. Conventional (with add-backs) is a QM loan; bank-statement, P&L, 1099, asset-based, and no-ratio are non-QM programs. All loans subject to credit approval, documentation, and property review. Save Financial, NMLS #377740, DRE #01875766, Equal Housing Opportunity.

How to Get a Self-Employed Mortgage with Save Financial

Tell us how your business earns and roughly what you deposit. Start online or call (310) 759-4757.
We compare the six methods and identify which qualifies you for the most.
We shop self-employed lenders across QM and non-QM and issue your pre-approval.
You make your offer, and we take the file to close — with or 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.