Bank statement loan
Qualify on deposits, not tax write-offs
12 or 24 months of personal or business bank statements replace tax returns for self-employed buyers.
The short version.
If you own a business, drive for a living or run a real estate brokerage, your tax returns probably show less income than you actually earn. That is smart tax planning, but it hurts a traditional mortgage approval.
A bank statement loan uses your average deposits over 12 or 24 months to calculate income. Business statements use an expense factor, usually 30% to 50%, or a CPA-prepared profit and loss statement. It is the loan I built my reputation on with Orlando's small business owners.
Often the right fit for
- Business owners and 1099 contractors
- Realtors and rideshare drivers
- Buyers with big write-offs
What I handle for you.
- Free income analysis of your statements before you apply
- Personal vs business statement comparison
- Expense factor strategy with your CPA
- Non-QM investor shopping across 6+ lenders
- Plan to refinance to conventional later
- Discreet handling of business documents
Statement income analysis
Send me 12 months of statements and I calculate qualifying income within 48 hours.
Investor match
I compare non-QM lenders for rate, reserves and expense factors.
Close like a W-2 buyer
Once approved, the closing timeline is the same 21 to 30 days.
Why borrowers choose it.
Keep your write-offs
No need to amend returns or show more taxable income.
Real income counted
Deposits reflect what your business actually brings in.
Flexible property types
Primary, second homes and investment properties qualify.
What moves your approval and price.
These are the factors I review first. Every lender adds its own overlays, which is why comparing matters.
| Factor | What to know |
|---|---|
| Deposits | Transfers between your own accounts and one-off deposits are excluded. |
| Expense factor | Set by industry or a CPA letter, commonly 30% to 50% on business accounts. |
| Down payment | 10% with strong credit, 15% to 20% for lower scores. |
| Pricing | Rates run higher than conventional, so we plan a future refinance. |
Bank statement questions, answered.
Still wondering about something specific? Text or call and you will hear back from Marcus, usually within two hours.
Some lenders require a CPA or enrolled agent to verify you have been self-employed for two years. Others accept a business license or state filing.
Usually you choose one set. If business income flows into personal accounts, personal statements often produce higher qualifying income.
No. These are non-QM loans with full ability-to-repay review and fixed-rate options. They simply use a different income document.
Related programs.
DSCR investor loan
Qualify with the property's rent instead of personal income. LLC vesting and short-term rentals allowed.
Explore DSCR investor
Jumbo loan
Loan amounts above conforming limits with 10% down options and reserves-based underwriting.
Explore Jumbo
Conventional loan
As little as 3% down for first-time buyers, mortgage insurance that falls off, and terms from 10 to 30 years.
Explore Conventional
A note from Marcus
Get real answers in twenty minutes.
No credit pull, no pressure. Bring your questions and leave with a clear plan and real numbers.