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Is it Possible to Write Off Everything AND Still Qualify for a Mortgage?
Truss Talk
In the traditional banking world, the answer is usually a flat "No." Big banks look at Line 31 of your tax return—your net income—and if your CPA has done a great job with your deductions, the bank sees you as "poor," regardless of how much cash is actually flowing through your business.
In this episode of Truss Talk, Jeff Miller and Jason Nichols break down the "Net Income Trap" and reveal the 2026 lending strategies that allow entrepreneurs, investors, and the self-employed to qualify for the capital they deserve without sacrificing their tax strategy.
What You’ll Learn in This Episode:
The "Line 31" Reality Check: Why traditional AI underwriting ignores the $200k in your business checking account and only sees what you told the IRS you "kept."
The Bank Statement Revolution: How Truss Financial Group uses 12–24 months of business deposits to calculate your true purchasing power.
Industry Expense Factors: Why a consultant might only need a 10% expense factor while a contractor needs 50%, and how that impacts your loan.
The 2026 Toolkit: A deep dive into P&L-Only Loans and Asset Depletion strategies for complex business owners with multiple LLCs.
The "1990s Advice" Warning: Why showing more income for two years is outdated advice that costs you thousands in unnecessary taxes.
Stop choosing between a great tax strategy and a great home. You handle the business. We’ll handle the bank.
Connect with Truss Financial Group:
Website: Truss Financial Group
Have a deal to run? Call us or send your last 12 months of bank statements for a same-day review.
Share the Wealth: If this episode helped you, share it with a fellow business owner who is currently "stuck in mortgage jail."
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