Bank Statement Loans

Alternative income verification for self-employed borrowers, business owners, and 1099 contractors.

Self-Employed? No Problem.

Traditional lenders often struggle with self-employed borrowers whose tax returns don't reflect their true cash flow due to business deductions. Bank statement loans allow you to qualify based on your actual deposits over the last 12 or 24 months. For investment properties, many self-employed investors also qualify for DSCR loans based on rental income rather than personal returns. Both fall under the broader Non-QM financing category. Submit your loan scenario to compare eligible programs.

12 or 24 Month ReviewOptions to use either personal or business bank statements.

High Loan AmountsBorrow up to $3M+ for your primary residence or investment property.

No Tax Returns NeededQualification is based on business deposits and expense factors.

Typical Guidelines

Minimum Credit Score660+
Maximum LTVUp to 90% (No MI)
Expense FactorStandard or P&L based
Loan PurposePurchase or Cash-out Refi
OccupancyPrimary, Second Home, Investment

Typical guidelines vary by lender, borrower qualifications, property characteristics, loan purpose, and current program availability.

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