Bank Statement Mortgage Options for Self-Employed Borrowers
Bank Statement mortgage options may be worth reviewing for self-employed borrowers whose tax returns do not fully reflect current business cash flow. Depending on the borrower, property, lender and program, a review may consider personal or business-account deposits, business expenses, assets, credit, down payment, reserves and other documentation. A full scenario review is needed before identifying which financing approaches may fit.
When Tax Returns Do Not Reflect Your Business
Bank statement loans allow self-employed borrowers to qualify for a mortgage using their bank deposits instead of tax returns. If your tax returns show low income due to business deductions, this program was designed for you.
We analyze 12 or 24 months of personal or business bank statements to calculate your qualifying income. This gives us a true picture of your cash flow — not the artificially reduced number on your 1040.
Who Qualifies?
Business Owners
You maximize deductions, which reduces your taxable income. Your bank statements show your real cash flow.
Physicians & Professionals
High-income professionals with complex tax situations who prefer a simpler qualification path.
Contractors & Consultants
Self-employed contractors whose income fluctuates but whose bank deposits tell a strong story.
Business Owners (S-Corp/LLC)
Owners of pass-through entities where business income flows through personal accounts.
$20M
Max Loan
20%
Min Down
21
Day Close
Bank Statement Loan Questions
Ready to Get Pre-Qualified?
Start your application or schedule a consultation to learn if a bank statement loan is right for your situation.