Can I get a mortgage in Washington if I'm self-employed?

Yes. Self-employed buyers in Washington have multiple mortgage paths. Conventional and FHA loans accept self-employment income using two years of personal and business tax returns — though heavy write-offs can significantly reduce qualifying income. Bank statement loans use 12–24 months of deposits to calculate income instead of tax returns, which works better for borrowers who write off significant expenses. DSCR loans require no personal income documentation at all if you're buying investment property.