Schedule Your Strategy Call
If you’re self-employed, an investor, or a builder trying to secure financing, this call will help you understand which loan programs may fit your situation.
During this call we will:
- Review your current financing situation
- Identify the loan programs that fit your scenario
- Outline next steps for qualification
Ryan Leahy has spent 25+ years helping entrepreneurs secure mortgage financing when traditional underwriting fails to understand their income.
The Mortgage System Was Built for W-2 Employees
Most traditional lenders rely heavily on tax returns and W-2 income to determine eligibility.
For entrepreneurs and self-employed borrowers, this often creates a mismatch, even when the business is strong and revenue is high.
Why Entrepreneurs Get Declined
- Tax write-offs reduce taxable income
- Complex income structures confuse underwriting systems
- Investment property equity often remains locked
- Many lenders charge higher rates for “non-traditional” income
Financing Built for Entrepreneurs
Leahy Lending specializes in programs designed for self-employed borrowers and complex income scenarios.
These include:
- Bank Statement Loans — qualify using deposits instead of tax returns
- P&L Loans — CPA-prepared profit & loss documentation
- No-Doc Second Liens — access equity without income documentation
- Builder Financing — lower-cost site financing for builders
