Bank statement loans qualify you on 12 or 24 months of actual deposits — not the taxable income your CPA worked hard to minimize. No tax returns required.
Most mortgage lenders look at your tax returns and see what your CPA wanted them to see — a low taxable income designed to minimize your tax bill. The problem is that lenders use that same number to calculate your qualifying income.
Bank statement loans bypass the tax return entirely. We look at your actual bank deposits over 12 or 24 months and calculate your income from what flows through your accounts — the way your business actually works.
We work with both business and personal bank statements. If you use a business account, we apply an expense factor (typically 50–75% of deposits count as income, depending on your business type). If you use personal accounts, 100% of qualifying deposits count.
Business or personal accounts. We calculate average monthly deposits and apply the appropriate expense factor for your business type.
A CPA letter, business license, or business registration confirms 2+ years of self-employment. No tax returns — just proof the business exists.
Alex reviews your statements and tells you your qualifying income, estimated approval amount, and best program fit — same business day.
We present 2–3 options in plain language — rate, term, payment, and total cost. In English or Spanish. You choose what works.
Streamlined non-QM underwriting with white-glove communication. You'll know where your file stands at every stage.
If your business generates consistent deposits, there's likely a bank statement program that works for your situation.
Single or multi-entity operators. Restaurant, retail, construction, services — any industry with consistent business revenue.
Independent contractors, 1099 earners, and professionals whose income flows through personal or business accounts without a W-2.
Agents, brokers, and investors whose commission-based or mixed income doesn't qualify cleanly under conventional guidelines.
Physicians, dentists, attorneys, and other licensed professionals in private practice with strong deposits and significant write-offs.
Digital entrepreneurs with strong Stripe, PayPal, or bank deposit history — even without a traditional business address or staff.
Business owners with income flowing across multiple LLCs or S-Corps. We understand how to document complex structures correctly.
Program guidelines vary by lender and are subject to change. All loans subject to underwriting and lender approval. Not a commitment to lend.
Alex reviews every file personally. Schedule a call and get direct answers.
Schedule a strategy call and Alex will review your bank statements — same day — and tell you exactly what you qualify for.