# Factors to Consider for a Self-Employed Borrower Any individual who has a 25% or greater ownership interest in a business is considered to be self-employed. The following factors must be analyzed before approving a loan for a self-employed borrower: * the stability of the borrower’s income, * the location and nature of the borrower’s business, * the demand for the product or service offered by the business, * the financial strength of the business, and * the ability of the business to continue generating and distributing sufficient income to enable the borrower to make the payments on the requested loan. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://underwriting.homium.io/underwriting-borrowers/income-assessment/sources-of-income-and-documentation/self-employed-rental-income-documentation/factors-to-consider-for-a-self-employed-borrower.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.