Why Profitable Business Owners Keep Getting Denied Mortgages

August 12, 2026

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Published By

David Ghazaryan

Owner / Broker / Banker

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(702) 766-3744

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TL;DR

Mortgage lenders primarily use your net income from tax returns, after all business write-offs are deducted.
Certain non-cash expenses like equipment depreciation can often be added back to your qualifying mortgage income.
Proactive planning with your accountant is crucial to align your tax strategy with your homebuying goals.
Business owners can utilize bank statement loans to bypass tax-return limitations.

Read the full blog article here: https://www.iqratemortgages.com/blog/why-your-profitable-los-angeles-business-shows-a-mortgage-loss

Video Transcript:

Your business makes good money, yet lenders will often deny you. I am David Ghazaryan. I structure loan approvals for business owners. We add back paper costs, which boosts your real loan income. Your tax strategy lowers income. My strategy shows your true cash. So, we use your bank statements, not just your tax returns. Find the full article and my socials in the description.

Read Blog Here: https://www.iqratemortgages.com/blog/why-your-profitable-los-angeles-business-shows-a-mortgage-loss

David Ghazaryan

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