How To Buy A Home

This interview breaks down how self-employed first-time homebuyers can use intentional tax strategy to improve mortgage qualification and avoid higher-cost loan options.  In this interview, CPA and licensed loan professional Dan Mullen explains why many self-employed first-time homebuyers are incorrectly told they cannot qualify for a mortgage. He breaks down the critical difference between taxable income and mortgage-qualifying income, showing how common write-offs can unintentionally reduce buying power if planned poorly. The discussion walks through legal tax strategies—such as depreciation, mileage, and asset treatment—that can preserve lender-approved income while remaining compliant with tax law. The episode also explains why bank statement loans are more expensive and why early coordination between a CPA and lender can dramatically change a buyer’s outcome. Check out Dan's book Real Decisions: The Financial Impact of Renting and Owning on Amazon “Buying a home is the financial found