I'm self-employed. Will my bank balance get me approved in Naples?
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Probably not the way you're hoping, but that doesn't mean no. Lenders generally look at averaged income off your last two years of tax returns, not what's sitting in the account. That's the part that blindsides self-employed buyers in Naples constantly: strong business, healthy balance, great credit, and then the write-offs that saved you money at tax time work against you at the underwriting desk. It's a real frustration, and it isn't all-or-nothing either. There are programs built specifically for self-employed and 1099 borrowers that look at the picture differently than a standard W-2 file does. Which one fits depends entirely on how your business is structured and how you file. That's genuinely a conversation, not a form. A lot of self-employed buyers in Naples assume the answer is no before anyone's actually run their numbers.