Why Loans Get Denied (Don't Apply for a Mortgage Until You Do This)
Why Loans Get Denied (Don't Apply for a Mortgage Until You Do This)  
Podcast: Small Business Tax Savings Podcast
Published On: Wed Jul 02 2025
Description: Send us a textWhen you're self-employed, getting approved for a mortgage isn't as straightforward as it is for W-2 employees. In this episode, Mike sits down with mortgage lender Bill Moeller to break down how tax-saving strategies can impact your mortgage application. 🚀Ready to stop overpaying the IRS? Sign up for my free webinar on  July 15th! Click here or visit: https://www.taxsavingspodcast.com/webinar 🚀 Book your free demo call today! Click here or visit: https://taxelm.com/demo/ Chapters:(00:57) The Mortgage Trap for EntrepreneursWhy showing low income on paper can backfire when it’s time to buy a home.(03:34) Hiring Your Kids: Tax Benefit, Mortgage ProblemOne popular tax strategy could hurt your loan approval unless you plan ahead.(05:44) Pre-Plan Your Income for Mortgage SuccessHow to reverse-engineer your tax return so you qualify for the house you want.(09:26) What Lenders Actually Add Back (And Don’t)Depreciation helps. Home office? Not so much. Here’s what gets counted.(12:54) Why Distributions Don’t Count Without ProfitLenders look for taxable income, not just how much cash you took out.(15:40) Real Estate Loans: How Rental Income Is CalculatedUsing market rent projections and DSCR loans to qualify for investment properties.Podcast Host:Mike Jesowshek, CPA – Founder and Host of Small Business Tax Savings PodcastJoin TaxElm: https://taxelm.com🚀 Visit:  https://www.TaxSavingsPodcast.com 🚀 Check Out TaxElm: https://taxelm.com/🚀 Join our Free Facebook Group: https://www.facebook.com/groups/taxsavings/🚀 YouTube: www.TaxSavingsTV.com👋🏼 GET IN TOUCHYou can Tweet @MJesowshek with any feedback, ideas, or thoughts about the lessons you've learned from the episodes. We want to thank you personally for tuning in 🙏🙏 LEAVE A REVIEWIf you enjoy the podcast, please leave a 5-star review on Apple Podcasts or Spotify—it helps more business owners find the show ⭐🎙 ABOUT THE PODCASTThe Small Business Tax Savings Podcast is your go-to resource for cutting-edge tax strategies to help entrepreneurs legally slash their tax bills. Hosted by Mike Jesowshek, CPA, this show breaks down complex tax topics into clear, no-fluff insights so you can keep more of your hard-earned money.