Bank-Statement Investor Loans
A documentation approach that uses business or personal bank statement deposits to support income.
Program parameters are confirmed for your scenario. Nothing here is an approval or commitment to lend.
Bank-statement programs look at deposits over a defined period rather than at tax returns. For some self-employed borrowers, that is a closer representation of how money actually moves through the business.
It is still a full underwriting process. Lenders apply their own rules for which accounts count, how deposits are averaged, and what expenses are netted out. Large one-time deposits and transfers between accounts are usually excluded or explained.
We help you identify which accounts tell the cleanest story before the file is assembled.
Who may find it useful
- Self-employed borrowers with strong deposits
- Business owners in cash-intensive industries
- Investors whose returns do not reflect real cash flow
- Borrowers with multiple business accounts
Typical financing goals
- Use deposit history instead of tax returns for income
- Finance an investment purchase or refinance
- Qualify with income that is real but tax-efficient
Key considerations
- Programs specify how many months of statements are reviewed and which accounts qualify
- Transfers and one-time deposits are typically excluded from qualifying income
- Expense factors may be applied to gross deposits
- Credit and asset requirements still apply
Information to gather
- Bank statements for the required period
- A short explanation of the business and its revenue sources
- Evidence for any unusually large deposits
- Property information for the transaction
Frequently asked
More in Alternative Documentation
Thinking about bank-statement investor loans?
Share the property and your goal. We will confirm what may be available and what the file would need.
Illustrative tools and scenario review only. Not a rate quote, pre-approval, or commitment to lend.