The Galli Games · No. 6

Write-Off Warrior.

You run the business. You know the write-off game. Play a year of smart tax moves — then watch what the bank says. (Spoiler: we know a better way.)

🧾 Expense cards flip up — you have seconds to decide:
✅ WRITE IT OFF if it's a legit business expense
🚫 NOT DEDUCTIBLE if it's personal (audit bait!)
💡 Every smart write-off saves tax money... but watch your "bank-visible income" drop.
🏦 Then... you apply for a mortgage. Good luck. 😉

The Galli Team · Novus Home Mortgage · Chris Galli, NMLS #13152
(941) 529-1040 · Equal Housing Lender · For education & fun — not financial advice or tax advice or a commitment to lend.

Before You Play · 3 Quick Taps

Question 1 of 3

Your answers shape your Self-Employed Readiness Report at the end.

Mission Briefing

Play It Smart.

Your business really earns $115,000/year. Solid. Real. Deposited in your bank every month.

Judge 12 expenses. Write off the legit ones — that's smart tax play. But personal stuff on the books = 🚨 audit bait.

Watch two numbers: your tax savings going up... and your tax-return income going down. Remember that second one. It matters later. 😏

Card1/12

Tax Saved$0

Return Income$115K

Business Expense?

🛻

Work truck lease

$7,200

✅

Smart move!

Legit business expense? Write it off!

One Year Later · Time To Buy

You Apply at Big Bank.

Your REAL income$115,000

Tax-return income$61,000

The loan officer looks at your tax returns. Not your deposits. Not your business. Just the returns.

DENIED ❌

"But my business made $115,000..."

Exactly. You did everything right — smart write-offs, clean books — and the bank punished you for it. Banks lend on the return, not the reality.

The Galli Way

Bank Statement Loan.

Forget the tax returns. We look at 12 months of your real business deposits — the money that actually hit your account.

Qualifying income$115,000

Tax returns neededZERO

APPROVED ✅

Your write-offs stay. Your approval doesn't die. This is exactly how we get self-employed borrowers to the closing table every week.

The Galli Team · Official Player Report

Self-Employed Readiness Report.

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The Savvy Owner

Correct Calls—

Tax Saved—

Return vs Real—

Score—

Your Profile

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What You Just Lived Through

Smart write-offs are good business — and they legally shrink your tax-return income.
Traditional banks lend on the return, not the reality — that's why good business owners get denied.
Bank statement loans qualify you on real deposits — 12–24 months of actual cash flow, no tax returns.

Your Real-Life Next Step

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Your Deposits — Rough Estimate

🎮 For fun and education only. This report is not a prequalification, loan approval, offer, financial advice, or tax advice — talk to your CPA about deductions. Programs, rates, expense factors, and qualification requirements vary and change.

Bring this report to your free 15-minute call.
Your write-offs stay your business. Your approval becomes ours.
The Galli Team · Novus Home Mortgage · Chris Galli, NMLS #13152
📞 (941) 529-1040 · TheGalliTeam.com · Equal Housing Lender

Average monthly business deposits (last 12 months) Monthly debt payments (cards, car, loans)

Stays on your screen unless you email your report. Rough estimate for fun — not a prequalification.

Get your full report + the self-employed borrower playbook:

🚀 See If My Deposits Qualify 📅 Book My Free 15-Min Call