Self-employed home loans across Edwards County
If you run a business, contract, or freelance in Edwards County, a conventional lender's reliance on tax returns can work against you. Bank statement loans count your actual cash flow — often 50% of business deposits or 100% of personal — to get you qualified. Real estate investors can use DSCR loans that qualify on a property's rental cash flow alone. Our specialists work with self-employed borrowers throughout Edwards County, including Rocksprings and nearby areas.
Who qualifies in Edwards 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
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.
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.
Asset depletion: your portfolio is your paycheck
Retirees and business sellers can qualify by converting verified assets into income — commonly eligible assets divided over a set number of months. Cash counts fully, securities and retirement funds at a discount. No employment, no tax returns: the balance sheet does the talking.