When Your CPA Can Write Your Income: A Little-Known Mortgage Option for Business Owners

December 31, 2025•2 min read

Some mortgage solutions sound so unusual that people assume they’re either outdated, illegal, or whispered about only in dark corners of the internet.

This is one of those loans.

The question usually comes in casually, half-joking, half-hopeful:

“Rich… can my CPA just write a letter stating what I make?”

For many loan programs, the answer is still no.

But for some programs, the answer is a very real—and very helpful—yes.

And for the right borrower, it can be a lifesaver.

The Problem With “Normal” Income Verification

Traditional underwriting works well for people with:

One employer
Predictable pay
Clean W-2s
Straightforward tax returns

But that’s not how a huge portion of business owners, self-employed professionals, and investors actually live.

If you have:

Multiple revenue streams
Inconsistent pay cycles
Complex business structures
Write-offs that make sense for taxes but not for underwriting

Then you already know the frustration.

An underwriter—who has never met you—ends up trying to decode your financial life by reading tax returns the way archaeologists read the Dead Sea Scrolls.

Important context gets lost. Reality gets flattened. And strong borrowers get declined for reasons that have nothing to do with actual ability to repay.

Enter the CPA Income Letter Program

Some lenders allow income to be verified not through tax returns, but through a CPA-prepared income letter, typically supported by a Profit & Loss statement.

Here’s why that matters:

Your CPA already understands your books
They know your business history
They understand how your income actually works
They can state earnings based on real financial knowledge—not assumptions

In this setup, the person who actually understands your financial life is in the driver’s seat.

Not a spreadsheet.
Not a formula.
Not an underwriter guessing what line 31 “really means.”

Who This Works Best For

This option is especially useful for people who are:

Self-employed
Business owners
Paid on commissions or irregular cycles
Managing multiple entities or income sources

It’s not available everywhere.
It’s not a magic wand.
And it must fit the right scenario.

But when it fits, it can unlock financing that otherwise looks impossible.

The Key Requirement Most People Miss

This type of program hinges on one thing:

Your CPA must be willing and able to vouch for you.

If your CPA can confidently state your income based on their knowledge of your financial history and records, then the path forward becomes much clearer.

That’s where guidance matters.

Not every lender knows how to structure these loans properly. Not every loan officer understands when they fit—or when they don’t.

That’s why borrowers work with Rich Bonn at Habayit Home Loans.

The focus isn’t hype.
It’s alignment.

If your CPA can vouch for you, Rich can help you qualify—when the program actually makes sense.