Self-employed? Qualify using 12–24 months of bank statements instead of tax returns. We count your real deposits — not your write-offs. See your qualifying income in 60 seconds.
No Tax ReturnsQualify on 12–24 months of personal or business bank statements.
Real Income CountedWe use your deposits, not your write-off-reduced taxable income.
10% DownCompetitive down-payment options for self-employed borrowers.
Built for Business Owners1099 contractors, realtors, gig workers, and entrepreneurs welcome.
Licensed Texas loan specialistsNMLS ID available on requestEqual Housing Opportunity
Brooks 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. Whether your business is in Falfurrias or elsewhere in Brooks County, we can turn your deposits into buying power.
Who qualifies in Brooks County
Self-employed 2+ years (1–2 years may work with experience)
12–24 months of bank statements
620+ credit and 10%%+ down
Roughly 50%% of monthly deposits counted as income
Non-warrantable condos: when the building is the problem
Sometimes you qualify and the condo doesn't — too many rentals in the project, pending litigation, one owner holding too many units. Conventional lenders walk away; non-QM lenders underwrite the building on its merits. If a condo deal died over 'warrantability,' there's usually still a loan for it.
Reserves: what lenders want to see
Non-QM programs typically want about 3 to 12 months of PITI — your full monthly payment — sitting in reserves, with larger loans requiring more. Strong reserves can offset a lower score or a thinner deposit history.
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.
A DSCR of 1.0 means rent covers the full payment; many lenders price best at 1.25 or higher. Some programs allow ratios below 1.0 with stronger down payments and reserves.
Can gig income from Uber or DoorDash qualify?
Yes — it's self-employment income. Lenders aggregate deposits or 1099s across platforms; about two years of history is the norm. Route payouts into one account so every dollar is verifiable.
What is an asset depletion loan?
A non-QM program that converts verified liquid assets into monthly qualifying income — commonly assets divided over a set number of months. It suits retirees, business sellers, and high-net-worth borrowers without paychecks.
What is a P&L loan?
A profit-and-loss loan lets you qualify using a CPA-prepared P&L statement, sometimes with fewer bank statements. It's another non-QM path when bank-statement deposits alone don't tell the full story.
Do bank statement loans work for real estate agents?
They're one of the best fits. Commission deposits qualify you, and 24 months of statements smooths seasonal swings. If your brokerage 1099s your gross commissions, a 1099 loan counting 90-100% of gross may be even stronger.
Do I need tax returns or W-2s?
No. Income is verified from your deposits (or 1099s/P&L), so no tax returns or W-2s are required to document income — just proof of self-employment and consistent statements.
Brooks County business owners — get pre-qualified
Free, no-obligation. See what you qualify for in about a minute.