Self-Employed & No-Tax-Return
Can I buy a luxury home in Fountain Hills or Scottsdale without showing tax returns?
Yes — potentially. Self-employed and business-owner borrowers in Fountain Hills, Scottsdale and across the Valley may have jumbo financing options that don't rely on tax returns, including bank-statement programs, 1099-based qualification, physician loans and asset-based options.
By Virginia Fargo, Mortgage Loan Originator, NMLS #299320 · Last reviewed October 13, 2026
Luxury jumbo options for non-traditional income
- Bank-statement programs using 12 months of deposits
- 1099-based qualification
- Physician loans for eligible medical professionals — potentially 0% down and no monthly PMI
- Asset-based qualification
Loan amounts and structures
Depending on qualifications, down payments can be as low as 10% on jumbo financing, and interest-only structures may be available for some borrowers. Loan amounts can extend into the multi-million range for well-qualified buyers — which matters in communities where home prices routinely exceed conforming loan limits.
What this looks like in practice
If your tax return shows one number and your bank account tells a very different story, the right program can make the difference between a denial and a preapproval. Credit history, down payment, reserves and the property all still matter — but your income can be documented in a way that reflects reality.
Read the original source
Originally shared on LinkedIn · Sep 3, 2026
Buying in Fountain Hills, Troon, Paradise Valley or Arcadia? Don't let your tax return stop you.Related on this site: Self-employed mortgage reviews · Scottsdale mortgage broker reviews
