Can I Assume a Mortgage if I'm Self-Employed?

The Assumable Guy Show · Jun 2, 2026 · 7m

If the bank has ever looked at your tax returns and basically told you you're broke despite running a real business, this episode is for you. Ryan breaks down why self-employed buyers get squeezed on conventional loans and exactly how an assumable mortgage flips that dynamic. The secret is the payment. A lower rate means a lower monthly payment, which means you need less income on paper to qualify, and that changes everything for someone with aggressive write-offs. He walks through a real client, an HVAC business owner who got into a $430,000 home at 2.75% for about $1,500 a month after three…