Self-employed? Business owner? Your tax strategy minimizes income — but your bank deposits tell the real story. We use 12-24 months of bank statements to qualify you. No W-2s. No tax returns. Up to $3M.
Every self-employed borrower knows this trap. You write off everything — as you should. Then your adjusted gross income looks like you're barely surviving. Banks see your tax return and say no. We see your bank deposits and say yes.
12 or 24 months of personal bank statements. We calculate your qualifying income from deposits.
Own a business? We can use your business bank statements with an expense factor applied.
Purchase with as little as 10% down. Rate-and-term refinance up to 90% LTV.
Primary residence, second home, or investment property. Higher loan amounts than conventional.
We don't ask for them. We don't need them. Your deposits are your income documentation.
Streamlined underwriting. No back-and-forth with your CPA. Close in as little as 21 days.
Restaurants, contractors, consultants, e-commerce, real estate agents — anyone whose tax return doesn't reflect actual cash flow.
Gig economy, independent contractors, creatives. Your income is real. Your tax return just doesn't show it.
Depreciation killed your AGI? Bank statements show the real cash flow your portfolio generates.