Bank Statement Loans for Self-Employed and Non-Traditional Borrowers
Are you self-employed or an investor who needs a loan without the usual income documentation? Our Bank Statement loan programs are designed with flexibility in mind, making it simpler to qualify based on your cash flow instead of tax returns or W2s.
Why Choose a Bank Statement Loan?
- Alternative Income Documentation: Qualify using 12 or 24 months of bank statements, P&L, 1099, or Asset Depletion.
- High Loan Limits: Finance properties up to $3.5 million with flexible options and minimal reserve requirements.
- Competitive Terms: Available in 15- and 30-year fixed or SOFR ARMs (5/6 & 7/6) with Interest-Only options.
Additional Benefits
- Streamlined Process: Focusing on cash flow allows for faster closings, ideal for competitive markets.
- Gift Funds: Accepted on investment and second homes, with a 10% borrower contribution requirement.
- High LTV for First-Time Investors: Up to 85% LTV available for purchase transactions, making it accessible even if you're new to real estate investing.
Our Bank Statement loans are built for those who don’t fit the traditional lending mold but have strong, consistent cash flow. Perfect for self-employed professionals, freelancers, and small business owners.
