Septembre 2026 · 9 min de lecture
Self-employed income is approvable — it just requires more documentation than payroll income.
Les acheteurs étrangers indépendants font face à un défi de documentation spécifique dans les demandes hypothécaires en République Dominicaine : les banques sont calibrées pour évaluer les salariés. Les revenus qui n'apparaissent pas sur une fiche de paie mensuelle nécessitent plus de documentation — mais ils sont absolument approuvables.
Les banques dominicaines adoptent une approche conservatrice envers les revenus d'indépendant pour deux raisons principales : ils sont variables et plus faciles à surestimer.
Averaged income method
Most common approach2-year average of tax return net income gives monthly qualifying figure. Growing businesses may be penalized — averaging pulls below current earnings.
Conservative deduction method
Applied by some lendersSome banks apply an additional 20–30% haircut to self-reported income. USD 6,250 avg income becomes USD 4,688 qualifying income after 25% haircut.
US-based self-employed
Non-US self-employed
Freelancers without formal business structure
Rental income (US properties)
Accepted at 75% of gross rent. Schedule E from US tax return is the primary document.
Consulting / professional fees
2yr average. Strong client diversification (no single client >30%) viewed positively.
Business owner distributions
Accepted if on K-1 or personal return. 2yr consistency required.
Investment / dividend income
Accepted with tax returns and brokerage statements. Realized gains do not count.
Retirement / pension income
Strong — viewed as highly stable. Award letters + 3 months statements.
Cryptocurrency income
Generally not accepted by Dominican banks at this time.
File clean tax returns for 2 years before applying
The most impactful preparation. If your returns show aggressive deductions that reduce net income, your qualifying income will be lower than actual cash flow.
Accumulate seasoned bank reserves
Dominican banks look more favorably on self-employed applicants with 6–12 months of projected mortgage payments in stable reserves.
Use a larger down payment
A lower LTV offsets income documentation concerns. Self-employed applicants with 40–50% down are materially easier to approve.
Have a CPA prepare a formal income letter
A formal CPA letter on letterhead summarizing your business structure, income history, and financial health goes a long way with DR bank underwriters.
Apply through HipoTech for multi-bank comparison
Self-employed applications vary significantly across banks. Multi-bank submission surfaces the most receptive lender for your specific income profile.
Estimez votre prêt avec des hypothèses de revenu prudentes
Ajustez les curseurs pour estimer votre paiement hypothecaire en RD
Paiement Mensuel
$1,506
20-ans a 8%
Estimation uniquement. Les paiements réels dépendent des conditions, frais et assurances spécifiques à chaque banque. N'inclut pas l'assurance habitation ni les frais de clôture.
Obtenir des Offres Bancaires Reelles →Les banques ne sont pas hostiles aux revenus d'indépendant — elles sont prudentes à leur égard. La solution est la profondeur et la cohérence de la documentation. Deux déclarations fiscales propres, des réserves bancaires solides, une lettre professionnelle d'expert-comptable et un apport de 35–40% ou plus placent la plupart des indépendants dans une position compétitive.
Start Your Application