Introduction
If you’re a business owner, you probably do everything right when it comes to taxes:
You maximize deductions, reinvest in your business, and lower your taxable income as much as possible.
But then—when you try to get a real estate loan—banks slam the door in your face.
Here’s the good news:
You can still get real estate loans, even if you write off everything.
You just need the right strategy—and the right lenders who understand how entrepreneurs really work.
Let’s break it down the real estate loans for business owners.
Real Estate Lending Based on the Property, Not You
Forget about proving your personal income.
Forget about fixing your tax returns.
Today’s smarter real estate lending focuses on one thing:
Does the property pay for itself?
With DSCR loans (Debt Service Coverage Ratio loans), lenders don’t care about your W-2s, your business deductions, or your tax returns.
They only care if the rental income covers the mortgage and expenses.
- If yes? You qualify.
- If not? You keep shopping for a property that can. Simple.
→ See other types of real estate loans for business owners
Example #1 — Heavy Write-Offs, First Rental Property
Meet Carlos.
Carlos owns a thriving marketing agency. But after deductions, he only shows $30,000/year in taxable income.
Traditional banks told him “no.”
Alternative lenders said “yes.”
- Loan Type: DSCR Loan
- Property: $400,000 rental home in Tampa, FL
- Downpayment: $80,000 (20%)
- Monthly Rent: $2,600
- Monthly Expenses: $2,100
Net Cashflow: ~$500/month
Cash-on-Cash Return: ~7.5%
Key Takeaway:
Carlos’s real-world financial success mattered more than his taxable income.
And the rental property’s cashflow sealed the deal.
Example #2 — Buying Multiple Properties per Year
Now meet Sofia.
Sofia runs a consulting firm. She has a high profit margin and needed to write off. A lot.
Before real estate, she wrote off nearly 90% of her income.
Banks called her “unqualified” — but alternative lending helped her scale a portfolio without changing a thing.
- First Property:
- $350,000 rental in Phoenix, AZ
- $70,000 downpayment
- ~$400/month cashflow
- Second Property:
- $300,000 duplex in Charlotte, NC
- $60,000 downpayment
- ~$700/month cashflow
- Third Property:
- $250,000 rental in Orlando, FL
- $50,000 downpayment
- ~$500/month cashflow
Total Net Cashflow: ~$1,600/month across three properties.
Key Takeaway:
The three properties give her an additional tax write off – depreciation. So not only did alternative lending help her buy properties, she got to use depreciation to bring her taxable income to $0.
Key Takeaways for Business Owners
Here’s what you need to remember:
- You don’t have to fix your taxes to qualify. Alternative lenders don’t care about your deductions.
- The right property matters more than your personal income. Find cashflow-positive deals and you’re good.
- You can scale faster, smarter, and stress-free. No more endless paperwork battles with traditional banks.
Conclusion
If you’re a business owner who’s been frustrated trying to get real estate loans the traditional way, you’re not alone—and you have options now.
Real estate loans for business owners do exist!
You can invest.
You can build wealth.
And you can do it without changing how you run your business.
Want to find out how you can invest in real estate even if you write off everything?
→ Click here to schedule a call with one of our advisors
Let’s help you unlock your next move—the smart, entrepreneur-friendly way.