Florida's self-employed homebuyers often face mortgage challenges due to low taxable income despite strong cash flow. Bank statement loans, a non-QM product, qualify borrowers using 12-24 months of bank deposits minus business expenses, bypassing tax returns. These loans support primary, second, and investment properties with high loan amounts and flexible credit requirements. Expense factors vary by business type, and CPA-prepared statements can improve qualifying income. Borrowers should consolidate deposits, separate personal transfers, and compare lenders carefully.