Bank statement & 1099 mortgages for Bastrop County
If you've been told you 'make too much to qualify on paper' in Bastrop County, a bank statement loan is likely your answer. It qualifies you on your deposits, so the income you actually earn is the income that counts. A CPA-prepared profit-and-loss statement can stand in when deposits don't tell the whole story. We serve self-employed buyers from the county seat of Bastrop to communities across Bastrop County.
Bastrop County at a glance
In Bastrop County, the typical home was listing around $409,000 as of June 2026 and the median household income is about $84,174 (2024). Against those numbers, qualifying on deposits instead of tax returns is what lets local self-employed buyers actually reach the price they can afford.
Who qualifies in Bastrop County
- DSCR options too, if you're financing a Bastrop County rental on its own cash flow
- Built for 1099 contractors, realtors, gig workers, and small-business owners
- Self-employed 2+ years preferred (1–2 years can work with a strong history)
- Personal or business bank statements both accepted
If you run a business or earn 1099 income in Bastrop County, a quick check turns your recent deposits into an estimated qualifying income — often far more than your tax return suggests.
Gig income counts — document it right
Uber, DoorDash, Instacart, freelance platforms — lenders aggregate it all as self-employment income. Route payouts into one account, keep your 1099s, and show about two years of history. Bank statement and 1099 loans capture what the apps actually paid you, not what survived your mileage deduction.
Primary, second home, or investment
These loans aren't just for primary residences — second homes and investment properties qualify too. Pair a bank-statement loan for your own home with a DSCR loan for rentals and you can keep growing without ever showing a tax return.
A bridge to a conventional refinance
Many borrowers use a bank-statement loan to buy now, then refinance into a conventional loan later once two years of stronger tax returns are on file. You get the home today and keep the door open to a lower rate down the road.