Bank statement loans in Comal County, Texas
Business owners and 1099 earners in Comal County have options beyond the conventional box. Bank statement, 1099, and P&L loan programs qualify you on real income — your deposits — so write-offs don't sink your application. Down payments often start around 10%, with stronger pricing at 15–20%. From New Braunfels to the surrounding towns, we help Comal County business owners qualify on their deposits.
Comal County at a glance
In Comal County, the typical home was listing around $480,000 as of June 2026 and the median household income is about $109,427 (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 Comal County
- Personal or business bank statements both accepted
- 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)
- DSCR options too, if you're financing a Comal County rental on its own cash flow
Business owners across Comal County turned down on a conventional loan often qualify here on deposits alone — the check is free and there's no obligation.
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.
LLC and S-corp owners: your K-1 isn't the ceiling
Owners who pay themselves modest salaries and leave profit in the business look artificially small on paper. Bank statement programs can use your business account deposits — typically counted around 50%, or higher with a CPA letter documenting your expense ratio — so the company's real cash flow backs your approval.
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.