Being self-employed is a superpower. You built something. You run it. You're the boss. But come tax time.. you write everything off. Which is smart. Until you try to get a mortgage. Banks don't love self-employed borrowers. Your net income on paper looks low. Even though your actual cash flow is great. So they say no. Or they ask for 2 years of returns, a letter from your accountant, and your firstborn. Bank statement loans in California solve this. Instead of tax returns — w