> For the complete documentation index, see [llms.txt](https://underwriting.homium.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](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).

# 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.