Bank statement & 1099 mortgages for Brooks County
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.
Brooks County at a glance
In Brooks County, the median household income is about $39,409 (2024). Self-employed buyers here qualify on bank deposits rather than tax returns — which often supports a higher price than a write-off-reduced return would.
Who qualifies in Brooks County
- DSCR options too, if you're financing a Brooks County rental on its own cash flow
- Qualify on 12–24 months of bank statements instead of tax returns
- Local specialists who structure non-QM loans for Brooks County business owners
- Self-employed 2+ years preferred (1–2 years can work with a strong history)
From Falfurrias to the rest of Brooks County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.
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.