Built for High-Income Earners & Business Owners

Tailored Lending for Complex Financial Lives

Mortgages built for the financially sophisticated. If your income or assets don’t fit in a checkbox, you’re in the right place.

At Couch Home Loans, we recognize the unique financial landscapes that business owners and high-income professionals navigate. Our team is dedicated to understanding your specific needs, challenges, and goals. By leveraging our expertise, we tailor loan options that align with your financial trajectory, ensuring you receive the best possible terms. Whether you’re looking to expand your business, purchase your dream home, or invest in opportunities, we provide personalized guidance and support throughout the loan process, making it seamless and efficient. Trust us to help you secure the funding you need to achieve your ambitions.

We’ll Deliver The Best-Fit Home Loan for Your Financial Picture

  • Jumbo Loan

    Up to $10M+, ideal for luxury homes and high-net-worth borrowers.

  • Bank Statement Loans

    Qualify using 12 or 24 months of personal or business bank statements.

  • Asset Depletion Loans

    Use liquid assets to qualify without showing traditional income.

  • P&L Only Programs

    Designed for business owners who haven’t yet filed taxes or use tax strategies to minimize income.

  • DSCR Loans

    Investment property loans based on rental income, not your personal income.

  • 1099-Only Loans

    Tailored for high-earning contractors and consultants.

Your Income May Be Complex, But Your Loan Process Shouldn’t Be.

  • Tailored Underwriting for Entrepreneurs — We specialize in navigating 1099s, K-1s, S-corps, asset-backed profiles, and tax-optimized returns.

  • Non-QM & Jumbo Expertise — From bank statement loans to asset depletion strategies, we know how to qualify high-income borrowers without W-2s.

  • Strategic Loan Structuring — We don’t just issue pre-approvals — we advise on the best structure for taxes, cash flow, and growth.

  • Fast Closings, Zero Guesswork — Our process is optimized to minimize document fatigue and maximize certainty.

Smart Answers for Complex Incomes

  • Not always. We offer loan programs that use bank statements, P&L statements, or even assets to qualify. We'll recommend the best option based on your financial picture.

  • Yes. We specialize in working with clients who use legal tax strategies. Traditional lenders may overlook you, but we won't.

  • Absolutely. P&L-only programs or prior-year returns can still work. We can also use bank statements or 1099s to get you started.

  • Yes. With asset depletion or asset utilization programs, your wealth can help secure the home you desire, even without a high monthly income.

  • It depends on the program, but most begin at 620–660. However, stronger scores unlock better pricing. We’ll guide you to the most advantageous option.