Bank Statement Loans for Real Estate Investors

Qualify Without Tax Returns or W-2s

Flexible financing for self-employed borrowers, freelancers, and 1099 earners.

Bank Statement Loans are designed for real estate investors and entrepreneurs whose true income isn’t accurately reflected on tax returns. Instead of requiring W-2s or traditional income docs, lenders use 12–24 months of personal or business bank statements to verify your ability to repay.

Get matched with a bank statement lender in 60 seconds. Qualify based on real cash flow — not what you write off.

💼 Why Choose a Bank Statement Loan?

Income qualification that works for entrepreneurs.

✅ No tax returns or pay stubs required
✅ Qualify with 12–24 months of bank statements
✅ Available for primary, second homes, and investment properties
✅ Loan amounts up to $5M+
✅ Interest-only and fixed-rate options
✅ Close in personal name or LLC (varies by lender)

Use Case Example: A self-employed real estate consultant with strong business income but heavy deductions was denied a conventional mortgage. By submitting 12 months of business bank statements, they qualified for a $750,000 loan to purchase a short-term rental property — with no income docs required.

🧮 How Bank Statement Loans Work

These loans are part of the Non-QM (non-qualified mortgage) space and allow income qualification through cash flow demonstrated in bank statements.

Key Guidelines:

Submit 12 or 24 months of bank statements (business or personal)
Lenders calculate average monthly deposits to determine qualifying income
Business bank statements often use a 50–85% expense factor unless CPA letter provided
Loans typically require:
- 660+ credit score
- 10–20% down payment
- 6–12 months of reserves

Flexible Use Cases:

First-time or seasoned investors
Short-term rental or Airbnb properties
Self-employed borrowers with tax-optimized income
1099 contractors or freelancers

Bank statement loan FAQs

Do I need to be self-employed to qualify?

Generally yes — these loans are ideal for self-employed, 1099, or business owners.

Can I use personal or business bank statements?

Yes. Most lenders accept either, though business statements require an expense ratio.

What property types are allowed?

Single-family, condos, 2–4 units, and sometimes non-warrantable condos or short-term rentals.

Can I close in an LLC?

Some lenders allow entity ownership — especially for investment properties.

Is this a stated-income or no-doc loan?

No. You must provide full bank statements — but no tax returns, pay stubs, or W-2s are required.

Get Matched with a Bank Statement Loan Lender Today

Qualify using your real income — not your tax returns. Takes 60 seconds.

Start My Bank Statement Loan Match

Flexible. Fast. Built for self-employed borrowers.