P AND L hOME Loan Program

Qualify for a home loan on just your business income:

* Loan Amount up to $4 Million
* P&L by Licensed CPA, or Tax Preparer
* 3-month Reserves
* Confirm FICO  Its that simple!


P and L Home Loan allows for business owners looking to purchase a primary residence to qualify for a home loan using just a one year P&L from their business. The closest home loan to a no doc loan. The P&L Home Loan can close fast with no additional income, employment, W2 or tax returns required.

P And L Loan Program
A specialized mortgage solution that uses 12-month Profit and Loss statements for qualification.

Key Features of our P&L Loan Program:

  • Minimum 660 FICO Score: We provide flexible credit score options to help you serve a broader range of clients. LTVs as High as 80%.


  • Streamlined Documentation: Qualify borrowers with a 12-month Profit & Loss statement compiled by a CPA, CTEC, PTIN, or EA.


  • High Loan Limits: Offer loans up to $3.0 million, ideal for clients looking for high-value properties.


  • Versatile Property Options: Whether it’s a primary residence, a second home, or an investment property, our program has it covered.


  • First-Time Homebuyers: Our P&L loan program is accessible to self-employed first-time homebuyers.


  • Temporary Buydown Feature: Allow borrowers to enjoy lower initial interest rates and reduced mortgage payments for the first two years, enhancing their financial flexibility.

Contact us to find out what the loan limits in the county you would like to purchase in. Call now 800-826-5077. 

Prequalify now to see how much of Loan you can qualify for. 


A P&L (Profit and Loss) home loan is a type of mortgage loan offered by CambridgeHomeLoan.com specifically designed for self-employed individuals or business owners who may have fluctuating incomes. Traditional mortgage lenders often require stable and predictable income streams, which can pose challenges for those whose incomes vary due to the nature of their work or business.

With a P&L home loan, lenders typically consider the applicant’s profit and loss statements as well as potentially other financial documents to assess their income stability and repayment capacity. These loans may offer more flexibility in terms of income documentation compared to conventional mortgages, allowing self-employed individuals to qualify for a home loan based on their average income over a certain period rather than strict year-to-year figures.

P&L home loans may have slightly different eligibility criteria and documentation requirements compared to standard mortgages, and interest rates and terms may vary depending on the lender and the applicant’s financial situation. These loans aim to provide options for self-employed individuals to access homeownership while accounting for their unique income circumstances.

The P and L Home Loan is whats called a Non QM Loan or non qualifying mortgage loan. The loan does not go through government agency and is in many ways an easier loan to close. Non QM mortgage loan types include Statement Only Loans, P&L Loans, Jumbo Loans and more. Contact us today with questions at 800-826-5077.

Home loan flip application

 CambridgeHomeLoan.com offers loans for just about any real estate Purchase or, Refinance or Cash Out Refinance Opportunity.



Things To Do In and Around Hollywood Florida

  • Seminole Hard Rock Hotel & Casino – Hollywood, FL (Posh music-themed lodging with a casino)

  • Oleta River State Park (Verdant escape from big-city stress)

  • Flamingo Gardens (Native wildlife, rare plants on 80 acres)

  • Dr. Von D. Mizell-Eula Johnson State Park (Water sports & wildlife on 310 acres)

  • Hollywood Beach Broadwalk (Waterside promenade with restaurants)

  • Gulfstream Park Racing and Casino (Horse racing, gaming & shopping complex)



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