Self-Employed.
Your tax returns say you earn less than you do — that's the point of deductions. Bank-statement loans qualify you on what actually lands in your accounts over 12 or 24 months instead.
- Down payment from
- 10%
- Credit score from
- 640
- Statements
- 12–24 mo
- Deposits counted
- 50–100%
Who it tends to fit.
Founders, freelancers, contractors, realtors, consultants — anyone whose write-offs make W-2-style qualifying fail while the business thrives. If your bank balances grow every year but your adjusted gross income shrinks, you are the reason this program exists.
It also fits buyers mid-expansion: big recent revenue that hasn't shown up on two full tax years yet, but shows clearly in monthly deposits.
What's included.
- Deposit analysis across personal and business accounts — we find the combination lenders count highest.
- Expense-factor strategy: documented margins that raise qualifying income instead of the default haircut.
- CPA letter templates your accountant can sign in minutes, not weeks.
- 12- versus 24-month comparison — sometimes one strong year beats two average ones.
- Reserve planning from business and personal accounts, sourced so underwriters stay calm.
How a bank-statement file runs.
Step 1
Count the deposits
Share 12 or 24 months of statements. We average eligible deposits and tell you the qualifying income within days.
Step 2
Clean the paper trail
Transfers between your own accounts get netted out; large one-offs get sourced. Boring statements close fast.
Step 3
Close in about 30 days
Non-QM review runs a little longer than agency files. We set day 30, front-load conditions, and beat it.
Worth knowing first.
Bank-statement rates run roughly a half to one point above conventional — the price of skipping tax-return qualifying. On strong files the gap narrows, and many borrowers refinance into agency loans after two clean tax years. We model both paths so you know what the "for now" premium actually costs.
Commingling is the silent killer: personal spending through business accounts forces lenders to discount more of your deposits. Three months before you shop, split the flows — business in, owner draws out — and your qualifying income can jump without earning a dollar more.