About Author

ABOUT AUTHOR

Bill Rapp

Bill Rapp is a seasoned commercial real estate broker and finance expert with over a decade of experience helping clients navigate complex property transactions and capital solutions. Based in Houston, Texas, Bill specializes in investment sales, acquisitions, and commercial financing strategies tailored to meet the needs of investors, developers, and business owners. He brings a
unique blend of market insight, negotiation skills, and financial acumen to every deal, consistently delivering value and growth opportunities for his clients. With a deep knowledge of the Houston and Greater Texas markets, Bill
is committed to building long-term relationships and helping clients make smart, strategic decisions in today’s ever-evolving real estate landscape. When
he’s not closing deals or analyzing the next big opportunity, Bill enjoys time with family, outdoor adventures, and giving back to the local community through mentorship and service.If you’d like, I can help write or edit these based on
the book content we’ve built so far.

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💼 P&L-Only Mortgage Loans: The Perfect Fit for Self-Employed High Earners 💰

🧾 High-Income, Low Taxes? Discover the Power of a P&L-Only Mortgage 🏡

Bill Rapp, Commercial Mortgage Broker

August 12, 2025•2 min read

🧾 High-Income, Low Taxes? Discover the Power of a P&L-Only Mortgage 🏡

💼 P&L-Only Mortgage Loans: The Perfect Fit for Self-Employed High Earners 💰

🧾 High-Income, Low-Tax Write-Off? Try a P&L-Only Mortgage

For many self-employed professionals—especially doctors, dentists, entrepreneurs, and investors—traditional mortgage guidelines just don’t work. You might be bringing in strong revenue, but after deductions and tax strategies, your taxable income looks too low for conventional lenders.

That’s where a P&L-Only Mortgage can be a game-changer.

What Is a P&L-Only Mortgage?

A Profit & Loss Only Mortgage allows lenders to approve you based on your business’s profit and loss statements—without requiring W-2s, tax returns, or even bank statements in some cases. This approach focuses on actual business performance instead of just taxable income.

Who Benefits Most from P&L-Only Loans?

This loan type is ideal for:

· Self-Employed Professionals – Contractors, consultants, and small business owners.

· Medical & Dental Practice Owners – High gross revenue but big deductions for staff, equipment, and rent.

· Real Estate Investors – Multiple properties, complex income streams.

· High-Income Earners Using Tax Strategies – Those who legally reduce taxable income.

Key Advantages of a P&L-Only Mortgage

1. ✅ No Tax Returns Needed – Avoid the frustration of explaining deductions to underwriters.

2. ✅ Flexible Qualification – Approval based on business performance, not IRS-reported income.

3. ✅ Fast Process – Fewer documentation hurdles mean quicker closings.

4. ✅ Higher Loan Amounts – Your gross profit can support more buying power.

How the Process Works

1. Get a CPA-Prepared P&L Statement – Usually covering 12 or 24 months.

2. Submit Basic Business Information – Including licensing or incorporation docs.

3. Underwriter Review – Focuses on net profit and business health.

4. Loan Approval – You’re ready to move forward with your home purchase or refinance.

Why Work with a Mortgage Broker for P&L-Only Loans

Many banks won’t touch P&L-only programs, but a broker can connect you with specialized lenders who understand complex income. At Medallion Mortgage, we help self-employed clients get competitive rates and terms while bypassing unnecessary roadblocks.

Bottom Line:
If you’re a high-income earner with low taxable income, a P&L-Only Mortgage could be your key to buying or refinancing without the tax-return headache. Let’s see if it works for you.

📲 Contact Bill Rapp at Medallion Mortgage today to explore your options.

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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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