Your income is real.
Let's prove it differently.
Bank statement loans may qualify eligible self-employed borrowers on 12 or 24 months of actual deposits rather than taxable income alone. Tax returns may not be required for income qualification under eligible programs.
Borrowers whose CPA did their job too well.
Qualify on what you
actually deposit.
Many mortgage lenders look primarily at tax returns, which may not fully reflect a self-employed borrower's cash flow after deductions and write-offs. Bank statement programs offer a different documentation method for eligible borrowers.
Bank statement loans document business or personal cash flow through actual bank deposits over a lender-defined period, commonly 12 or 24 months, rather than tax returns alone.
Eligible programs may accept both business and personal bank statements. If a business account is used, the lender typically applies an expense factor to estimate net qualifying income from business deposits, and the factor varies by lender and business type. Personal account deposits may be treated differently depending on the program.
You provide bank statements
Business or personal accounts, typically covering 12 or 24 months. The selected lender calculates average monthly deposits and applies its expense factor methodology for your business type.
We verify self-employment
A CPA letter, business license, or business registration may confirm your self-employment history. Tax returns may not be required for income qualification under eligible programs.
Preliminary review
Alex reviews your statements and discusses your potential qualifying income, estimated loan amount, and program fit based on lender guidelines.
Loan structuring & scenarios
We present options in plain language — rate, term, payment, and total cost — so you can choose what works for your situation.
Underwriting and closing
Non-QM underwriting timelines vary by lender and file complexity. You'll receive updates on where your file stands throughout the process.
Built for every type
of self-employment.
If your business generates consistent deposits, there's likely a bank statement program that works for your situation.
Business Owners
Single or multi-entity operators. Restaurant, retail, construction, services — any industry with consistent business revenue.
Consultants & Freelancers
Independent contractors, 1099 earners, and professionals whose income flows through personal or business accounts without a W-2.
Real Estate Professionals
Agents, brokers, and investors whose commission-based or mixed income doesn't qualify cleanly under conventional guidelines.
Medical & Legal Professionals
Physicians, dentists, attorneys, and other licensed professionals in private practice with strong deposits and significant write-offs.
E-Commerce & Online Business
Digital entrepreneurs with strong Stripe, PayPal, or bank deposit history — even without a traditional business address or staff.
Multi-Entity Operators
Business owners with income flowing across multiple LLCs or S-Corps. We understand how to document complex structures correctly.
Program DetailsWhat to expect.
Loan Amounts
- Loan amounts vary by lender and eligible income calculation
- Jumbo bank statement programs available on select lender guidelines
Statement Period
- 12-month programs (personal or business)
- 24-month programs for stronger qualification
- Most recent consecutive months typically required
Property Types
- Primary residence
- Second home / vacation
- Investment property (1–4 units)
Self-Employment Docs
- CPA letter confirming self-employment history
- Business license or registration
- Tax returns may not be required for income qualification under eligible programs
Credit Requirements
- Credit score requirements vary by lender and program
- Higher credit generally supports better rates and terms
- Recent derogatory items reviewed case-by-case
Down Payment
- Down payment requirements vary by lender and loan size
- Gift funds may be acceptable under select programs
- Reserves required, subject to lender guidelines
Program guidelines vary by lender and are subject to change. All loans subject to underwriting and lender approval. Not a commitment to lend.
Frequently Asked Questions
Have questions about this program?
Alex reviews every file personally. Schedule a call and get direct answers.
Your deposits are your income.
Let's use them.
Schedule a strategy call and Alex will review your bank statements to evaluate potential loan options based on your financial profile and applicable lender guidelines.