Qualify on deposits, not tax returns, in Guadalupe County
Buying a home in Guadalupe County when you're self-employed comes down to one thing: showing your true income. Bank statement loans do exactly that, averaging your monthly deposits to set your qualifying income. Real estate investors can use DSCR loans that qualify on a property's rental cash flow alone. Whether your business is in Seguin or elsewhere in Guadalupe County, we can turn your deposits into buying power.
Guadalupe County at a glance
In Guadalupe County, the typical home was listing around $319,945 as of July 2026 and the median household income is about $90,997 (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 Guadalupe County
- Qualify on 12-24 months of bank statements instead of tax returns
- DSCR options too, if you're financing a Guadalupe County rental on its own cash flow
- Credit from 620 and down payments from 10%
- Self-employed 2+ years preferred (1-2 years can work with a strong history)
From Seguin to the rest of Guadalupe County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.
ITIN loans: no Social Security number required
Taxpayers who file with an IRS-issued ITIN can buy a home through ITIN mortgage programs, typically 10-20% down, two years of work history, and credit shown by score or alternative trade lines like rent and utilities. Self-employed ITIN borrowers can often qualify with bank statements.
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.