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
Caldwell County is full of entrepreneurs whose tax returns understate what they really earn. A bank statement mortgage fixes that by underwriting your deposits, not your write-off-reduced taxable income. Down payments often start around 10%, with stronger pricing at 15–20%. From Lockhart to the surrounding towns, we help Caldwell County business owners qualify on their deposits.
Who qualifies in Caldwell 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
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.
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.
Your write-offs stop working against you
The deductions that lower your tax bill also lower the income a conventional lender sees — which is why so many business owners get under-qualified or denied. A bank-statement loan flips that: your real deposits, not your write-off-reduced taxable income, drive your approval.
Many programs start around 620–660. A higher score unlocks better rates and lower down payments, but strong, consistent deposits carry a lot of weight too.
Do I need cash reserves?
Usually yes — many non-QM programs require about 3 to 12 months of PITI (principal, interest, taxes, insurance) in reserves, with larger loans requiring more.
Are bank statement loan rates higher?
Usually somewhat higher (often about 0.5%–2% over conventional) because they don't fit standard guidelines. There's no monthly PMI, and the real comparison is to being denied conventionally — many borrowers refinance later.
How much of my deposits count as income?
Typically 100% of personal-account deposits, or about 50% of business-account deposits, sometimes adjusted by a CPA expense letter. Roughly $20,000/month in business deposits can support about a $350,000 home.
What is a DSCR loan for investors?
A DSCR loan qualifies real estate investors on a property's rental cash flow instead of personal income — no tax returns or pay stubs. It's ideal for rentals, cash-out refinances, and growing a portfolio.
How much down payment do I need?
Most bank statement programs start around 10%, with stronger pricing at 15–20%+. A larger down payment can offset a lower credit score or thinner deposit history.
Caldwell County business owners — get pre-qualified
Free, no-obligation. See what you qualify for in about a minute.