A smart way for self-employed and complex earners to qualify for a home loan
If your client is self-employed or their income doesn’t fit neatly into a W2 box…
Your client's got plenty of cash flow—but proving it on paper? That’s the hard part.
That’s where income stacking comes in.
At Park Place Collective, we specialize in helping clients just like you qualify using multiple income sources—not just one.
It’s exactly what it sounds like:
We “stack” together different types of income to help you qualify for the home you want.
Instead of relying on just one source, we combine several to show the full financial picture.
This makes a HUGE difference for buyers with more complex income situations—like business owners, freelancers, real estate investors, and entrepreneurs.
✔️ Tax Returns – Perfect if your reported income is solid and steady
✔️ Bank Statements – Great for self-employed borrowers with strong deposits
✔️ Asset Depletion – Convert retirement or investment accounts into qualifying income
✔️ ADU Rental Income – Got an accessory dwelling unit (ADU)? That income can count too!
Use them individually or combine them together—whatever gets you the best result.
In today’s tight market, buying power is everything.
And if your client is not using all of their income sources to qualify, they could be leaving money—and homes—on the table.
We’ve helped countless clients go from “declined” to “approved” using income stacking, and we’re ready to do the same for you.
Let’s talk.
We'll walk you and your client's through what income sources we can use, how we qualify them, and what kind of loan options are available.
📞 Call or text us at 619-990-7552
📧 info@parkplacecollective.com
Let’s get creative with your approval—and get you into the home you deserve.
Joe & Marni Costa
Park Place Collective Group
NMLS: 2571108
