Key takeaways
- Qualifying income is calculated from 12–24 months of deposits — not tax returns.
- Write-offs no longer work against you.
- Built for business owners, 1099 contractors, freelancers, and gig earners.
Here’s the self-employed paradox: you work hard to lower your taxable income, and then a conventional lender uses that same shrunken number to decide how much house you can afford. It’s frustrating, and it’s exactly the problem bank statement loans were built to solve.
How the income calculation works
Rather than reading your tax returns, we calculate qualifying income from 12 to 24 months of bank deposits. We look at the real cash flow of your business or personal accounts and apply a reasonable expense factor — no returns required on many programs.
Who this is a fit for
- Business owners with significant write-offs
- 1099 contractors and consultants
- Freelancers and gig-economy earners
- Anyone whose deposits tell a truer story than their AGI
The documentation is lighter than most people expect: your statements, proof you own the business, and ID. If you’ve been told you don’t “make enough” on paper, let’s look at your deposits instead.
Have a situation like this?
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