There’s a moment most business owners know too well.

You look at your numbers.
You notice a dip.
And then the quiet panic sneaks in: “Did I just knock myself out of qualifying for a home?”

Take a breath. A single dip—one month, one quarter, even one year—does not define your business. And it absolutely does not define your ability to buy a home.

The problem isn’t your income.
The problem is outdated thinking about how income should look.

Why Income Dips Are Normal (and Boring to the Right Lender)

Income dips usually come from real life—not failure.

• Seasonal cycles

• Reinvesting back into the business

• Growth transitions

• Life happening

What matters isn’t the dip. What matters is trajectory and stability over time.

The right lender doesn’t zoom in on one bad frame. They watch the whole movie.

The Big Myth: “Declines Are Deal Breakers”

They aren’t.

Not when your loan strategy matches how entrepreneurs actually earn money.

This is where creative—but fully compliant—loan options come in.

Loan Options That Don’t Panic Over a Dip

Bank Statement Loans
Instead of obsessing over one moment, these loans average your income over time. The dips smooth out. The bigger picture wins.

Profit & Loss Loans
A CPA-prepared Profit & Loss statement can show the current strength of your business—especially helpful if your income is rebounding or stronger now than before.

Debt Service Coverage Ratio (DSCR) Loans
Buying rental property? These loans don’t even look at your personal income. If the property supports itself, your past dip becomes irrelevant.

Asset Qualification Loans
Strong assets can speak louder than temporary income fluctuations. These loans focus on what you’ve built—not the hiccup along the way.

Different tools. Same philosophy: one dip doesn’t define you.

What Lenders Actually Care About

Contrary to popular belief, lenders aren’t sitting around waiting to disqualify people.

They care about:

• Overall income trajectory

• Stability over time

• Sustainability of your business

Not one-off months. Not temporary declines. Not emotional overreactions.

Advocacy Matters More Than Math

Here’s the part most borrowers miss.

Numbers don’t explain themselves. People do.

Having someone who understands self-employed income—and knows how to present the full picture—is the difference between:

• “Sorry, you don’t qualify,” and

• “Here’s a smart plan that works.”

That’s where Rich Bonn and Habayit Home Loans come in.

This isn’t about pushing a loan.
It’s about translating your real financial story into terms lenders respect.

If You’ve Had a Dip, Here’s the Smart Move

Don’t guess.
Don’t panic.
Don’t self-disqualify.

Put your real numbers on the table. Look at every option. Build a plan that fits your business—not the other way around.

Because one dip doesn’t define your income.
And it definitely doesn’t define your future homeownership.

Contact Information
Rich Bonn
Habayit Home Loans
📞 281.841.1723
📍 4660 Beechnut St, Ste 225, Houston, TX 77096