If you're self-employed or earning 1099 income, your tax returns probably don't tell the full story. You write off what you can — which is exactly what you should do — but on paper it can make qualifying for a conventional loan feel like an uphill battle.
A Bank Statement loan is built for exactly this situation. Instead of W-2s or tax returns, we qualify you based on your actual cash flow, using 12 to 24 months of personal or business bank statements. If the deposits support it, there's a path forward.
This isn't a niche workaround — it's simply the right tool for how a lot of hardworking people actually earn their income.
A Great Fit If You're…
- Self-employed or a small business owner
- A freelancer, consultant, or 1099 contractor
- Writing off significant business expenses
- Earning well but showing less on your tax returns than you actually bring in