Qualify on deposits, not tax returns, in Hays County
If you run a business, contract, or freelance in Hays 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. Down payments often start around 10%, with stronger pricing at 15–20%. We serve self-employed buyers from the county seat of San Marcos to communities across Hays County.
Hays County at a glance
In Hays County, the typical home was listing around $419,177 as of June 2026 and the median household income is about $91,880 (2024). A bank statement loan counts real cash flow, so strong deposits can support a home at the local price even when taxable income looks low.
Who qualifies in Hays County
- Qualify on 12–24 months of bank statements instead of tax returns
- Local specialists who structure non-QM loans for Hays County business owners
- Built for 1099 contractors, realtors, gig workers, and small-business owners
- Credit from 620 and down payments from 10%
From San Marcos to the rest of Hays County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.
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.
Realtors: qualify on your commissions
Agents deduct heavily — mileage, marketing, MLS dues, splits — so the net income a conventional lender sees rarely reflects real earnings. Bank statement loans count your commission deposits, and 1099 loans count 90-100% of your gross 1099 — two clean paths to the home you've been selling everyone else.
DSCR loans for real estate investors
Buying a rental? A DSCR loan qualifies you on the property's cash flow instead of your personal income — no tax returns, no pay stubs. With interest-only options and entity (LLC) eligibility, it's the go-to for investors growing a portfolio.