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Cover of The Self-Employed Homebuyer's Blueprint
SR Cooper Publishing

The Self-Employed Homebuyer's Blueprint

How to Document Your Income, Avoid Mortgage Declines, and Qualify with Confidence

If you're self-employed, the hard part isn't earning the money — it's proving it. This book walks through how lenders actually calculate self-employment income, entity by entity: sole proprietor, LLC, partnership, S-corp, C-corp, rental. It covers what gets added back, what gets subtracted, why a good tax return can be a bad loan file, and how to plan the two years before you buy instead of finding out afterward.

  • 26 chapters
  • Paperback & Kindle
  • 12 companion worksheets

Reader worksheets

The twelve fillable worksheets referenced throughout the book. Type directly into them, save, and bring them to whoever is handling your loan. Included with your copy — nothing to sign up for, and nothing is collected.

  1. 01Pre-Flight ChecklistDownload PDF
  2. 02Five Nonnegotiables Readiness CheckDownload PDF
  3. 03Debt-to-Income WorksheetDownload PDF
  4. 04Minimum Income TargetDownload PDF
  5. 05Qualifying Income by Entity TypeDownload PDF
  6. 06The Ultimate Document ChecklistDownload PDF
  7. 07Document Gather SheetDownload PDF
  8. 08Final Readiness CheckDownload PDF
  9. 09Decline Risk Self-AuditDownload PDF
  10. 10Cash to Close & ReservesDownload PDF
  11. 11Large Deposit LogDownload PDF
  12. 12Rate & Points BreakevenDownload PDF

The figures in these worksheets are illustrative and educational. They aren't a loan approval, a quote, or a promise of terms — confirm your own numbers with the person handling your loan.