A smart way for self-employed and complex earners to qualify for a home loan
Your clients have the cash flow—but proving it on paper? That’s where it gets tricky.
At Park Place Collective, we specialize in helping buyers qualify by using all of their income sources, not just one.
Income stacking is exactly what it sounds like:
We combine ("stack") multiple types of income to paint the full financial picture.
This strategy is a game changer for:
Rather than relying on just one income type, we can blend several sources together for stronger loan approval.
✅ Tax Returns – Ideal for steady, well-documented income
✅ Bank Statements – Perfect for self-employed borrowers with strong deposits
✅ Asset Depletion – Turn your investments or retirement accounts into qualifying income
✅ ADU Rental Income – Rental income from accessory dwelling units can boost your profile
Use one or stack them together—whatever gets you the best result.
In today's competitive market, buying power is everything.
If you're not leveraging all your income sources, you could be leaving money—and homes—on the table.
We’ve helped countless buyers move from declined to approved using income stacking strategies—and we’re ready to do the same for you.
We’ll walk you and your client through:
📞 Call or text us: [619-990-7552]
📧 Email us:info@parkplacecollective.com
Joe & Marni Costa
Park Place Collective Group
NMLS: 2571108
