If you’re a business owner, freelancer, or self-employed in any way and you’re thinking about buying a home in the next year or two—this is for you. 🏡
I recently sat down with Josh Howen and Chris Ruhnke from Howen & Ruhnke PLLC, two trusted local CPAs here in Cypress, TX, to talk about the not-so-fun (but very important) part of buying a home: your taxes.
Here’s the truth:
🧠 Most people don’t realize their 2025 tax return directly impacts their 2026 buying power.
🎥 Watch the Full Video:
Self-Employed? This Tax Mistake Could Cost You the Home You Want
What You’ll Learn in This Conversation:
✔️ How income consistency affects your approval
✔️ Why “writing everything off” can backfire when buying a home
✔️ What lenders actually look for in your tax returns
✔️ Debt-to-income ratio: what it is and why it matters
✔️ Strategic tax planning tips to get ahead now (not after it’s too late)
So, What’s the Big Mistake?
Many self-employed buyers write off every business expense they can (understandably). But when it’s time to apply for a loan, lenders aren’t looking at your bank account—they’re looking at what’s on paper.
If your taxable income looks low because of aggressive deductions, lenders may think you can’t afford the home you’re trying to buy… even if you know you can.
That’s why tax planning before you start the buying process is a must.
Plan Ahead, Buy Smarter
You don’t need to change how you run your business—just be strategic about how you prepare for major financial moves like buying a home. Talking to a CPA now can save you thousands (and a whole lot of frustration) later.
And no, it’s not too early. The earlier, the better.
Want to Chat With the Experts in Person?
We’re hosting a Happy Hour at Frio Grill in Cypress on January 28 from 4–6PM 🍻
It’s casual, no pressure, and the first round is on us. Come meet Josh, Chris, and myself, ask your questions, and get ahead of 2026 with confidence.
If you’re self-employed and thinking about buying a home, this is your sign to plan ahead.
Don’t let one missed detail on your tax return cost you the house you’ve worked hard for.