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Can You Buy A House With Self Employed Income? (Get A Mortgage with Online Business Income)

2026-07-27 · 20:08 UTC ·Win The House You Love ·2 min read

Brief

Win The House You Love tutorial (hosted by loan officer Kyle Andrew Seagraves) presents four mortgage pathways for self‑employed creators—conventional, five‑year rule, bank‑statement, and asset‑qualified—detailing required documentation (two vs one year of tax returns, 12–24 months of bank statements, or liquid assets), timelines, and which lane fits different creator situations.

Why it matters

Four approval pathways for self‑employed creators: conventional loans (standard two‑year tax‑return requirement), the five‑year rule (cuts tax‑return requirement to one year), bank‑statement loans (use 12–24 months of business bank deposits instead of tax returns), and asset‑qualified loans (qualify using liquid assets with no income documentation).

Key details

  • Host Kyle Andrew Seagraves (Licensed Loan Originator, NMLS 1701021) published the tutorial on 2026-07-27 and offers pre‑approvals at winthehouseyoulove.com/lender; the channel also provides rate, max‑price, and loan‑comparison tools.
  • Preparation specifics: applicants should be ready to provide either two years of tax returns, one year under the five‑year rule, or 12–24 months of bank statements — or demonstrate sufficient liquid assets for an asset‑qualifier; choice depends on business age, tax‑reported income, and asset level.
Source evidence

Making real money as a creator but your tax returns say otherwise? Get pre-approved at winthehouseyoulove.com

You built a real income as an online creator, and the mortgage system still treats you like a risk. This video walks through the four ways a self-employed creator gets approved: a standard conventional loan, the five-year rule that cuts your tax-return requirement to one year, bank statement loans that skip tax returns entirely, and the asset qualifier loan that skips income altogether. By the end you'll know which lane fits your situation and what to prepare before you apply.

► ► Get Pre-Approved With My Team → https://www.winthehouseyoulove.com/lender
► ► Get An Agent Referral → https://www.winthehouseyoulove.com/agent

TOP RESOURCES
📉 Today’s Rates → https://www.winthehouseyoulove.com/rates
🏡 Max Purchase Price Calculator → https://www.winthehouseyoulove.com/maxprice
📊 Loan Comparison Calculator → https://www.winthehouseyoulove.com/advisor
📅 Complete Buying Timeline → https://www.winthehouseyoulove.com/timeline
🎓 Lower Student Loan Payments → https://www.winthehouseyoulove.com/student
💳 Credit Score Simulator → https://www.winthehouseyoulove.com/credit

0:00 4 Ways To Get Approved
0:44 An Example Business
1:33 Two Ways To Prove Income
2:41 Online Income Qualifies
3:50 Strategy 1
5:39 Strategy 2
7:19 Strategy 3
10:13 Strategy 4
12:26 Which One Is Best For You?

— DISCLAIMER —
Kyle Andrew Seagraves is Licensed Loan Originator (NMLS 1701021) with NFM Lending (NMLS 2893), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency.

NFM Lending
1190 Winterson Road, Suite 300,
Linthicum, MD 21090
Toll Free: +1 (888) 233-0092
NMLS #2893
Equal Housing Lender

Channel: Win The House You Love
Published: 2026-07-27
Video URL: https://www.youtube.com/watch?v=nUYSKvxI3FA