Qualify on deposits, not tax returns, in Brewster County
Brewster County realtors, contractors, and small-business owners use bank statement loans to turn strong deposit history into buying power — no tax returns required, down payments often starting at 10%. Primary homes, second homes, and investment properties can all qualify. From Alpine to the surrounding towns, we help Brewster County business owners qualify on their deposits.
Brewster County at a glance
In Brewster County, the median household income is about $63,982 (2024). For business owners here, qualifying income comes from 12–24 months of deposits — often enough to comfortably reach the local price point.
Who qualifies in Brewster County
- Local specialists who structure non-QM loans for Brewster County business owners
- Write-offs that cut your taxable income don't cut your qualifying income
- 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)
Business owners across Brewster County turned down on a conventional loan often qualify here on deposits alone — the check is free and there's no obligation.
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.
P&L-only loan options
Some self-employed borrowers qualify with a CPA-prepared profit-and-loss statement, sometimes paired with a couple months of statements. A P&L loan is another non-QM path when your deposits alone don't capture the whole picture.
12 vs. 24 months of statements
Lenders accept either 12 or 24 months of personal or business statements. Twelve months gets you to the finish line faster, while 24 months smooths out seasonal swings and often produces a higher, more defensible qualifying income.