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

Get Matched with a Bank Statement Loan Lender Today

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

Flexible. Fast. Built for self-employed borrowers.

🧠 Want to Learn More First?

• Bank Statement Loans 101: How They Work
• Self-Employed Mortgage Guide for Investors
• Bank Statement vs DSCR Loans: What’s Best for You?