Your deposits tell the real story.
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.
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.
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?+
Most bank-statement programs start around a 660 credit score, 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.
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.