Your deposits tell the real story.
Find My Loan
about 55 seconds left60 seconds · no hard credit pull · never sold
What type of property is this?*
If you're self-employed, your tax returns rarely reflect what you actually earn. A bank-statement loan qualifies you on 12–24 months of deposits — so write-offs don't cost you the house.
- Business owners
- 1099 contractors
- Gig & commission earners
- Real-estate professionals
Built to do what conventional financing can't.
No tax returns
Qualify on cash flowing through your accounts, not your adjusted gross income after deductions.
12 or 24-month programs
Choose the look-back window that best reflects your business. Longer history can mean better terms.
Up to 90% financing
Competitive loan-to-value for a non-QM product, so you can keep more capital in your business.
Business or personal accounts
Use business statements with an expense factor, or personal deposits — whichever paints the truest picture.
Sound like your situation? Answer a few questions and I'll show you what you qualify for — about 60 seconds, no hard credit pull.
Check my options →What income could a lender actually use?
Bank-statement income estimator
Self-employed? Estimate the income a lender can use from your deposits — no tax returns.
Estimated qualifying income
$20,000.00
$240,000 / year a lender can count
Estimate only. Final qualifying income depends on the lender's program, number of months reviewed (12 or 24), and a deposit-by-deposit review.
An estimate is a start. Tell me about the property and I'll come back with real options for it.
Check my options →Bank-statement loans at a glance.
- Income documentation
- 12 months personal, or 12 or 24 months business statements; deposits become qualifying income
- Minimum credit, first position
- 620
- Minimum credit, second position
- 660
- Loan purpose
- Purchase or refinance (cash-out and rate-and-term)
- Property
- Primary residences and investment properties; not second homes
- Set per file
- Reserves, the expense factor on business deposits, and loan limits
- Steady deposits that show your real income
- Credit from 620
- Self-employed, 1099, or commission income
- A loan size a P&L-only program won't write
- Deposits are analyzed line by line; a P&L-only loan reviews no transactions
- At 640+ credit and $150,000 or more, a P&L-only loan may need less paperwork
- At 680+ credit with a home you already own, a no income verification HELOC needs none
Good to know.
How do you calculate my income?+
We average your monthly deposits over 12 or 24 months, apply an expense factor (often ~50% on business accounts, less on personal), and adjust for your ownership share. The calculator above estimates this instantly.
What's an 'expense factor'?+
It's the share of deposits a lender assumes goes to business costs rather than income. A 50% factor means half of your deposits count as qualifying income. Lower factors are available with a CPA letter or for certain professions.
What credit score do I need?+
620 in first position and 660 in second position, with better pricing as your score and reserves rise. We'll review your full picture before recommending a lender.
Can I use this for an investment property?+
Yes, though for pure investment properties a DSCR loan is often simpler since it ignores personal income entirely. We'll compare both for your situation.
Still have a question about your own scenario? Start here and I'll answer it with your numbers in front of me.
Check my options →Let's build your structure.
Tell me your goal and the numbers. You'll get a clear, no-pressure plan — and the rate that fits it.