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
For self-employed buyers in Irion County, the right loan looks at your bank statements, not your 1040. With 12–24 months of deposits, you can qualify for a home without the W-2s and tax returns a traditional lender demands. A CPA-prepared profit-and-loss statement can stand in when deposits don't tell the whole story. Whether your business is in Mertzon or elsewhere in Irion County, we can turn your deposits into buying power.
Who qualifies in Irion 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
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.
Texas's 80% cash-out rule
Texas homestead law caps cash-out refinances on a primary residence at 80% of the home's value — you must keep at least 20% equity. It applies to every loan type, including bank-statement loans, so plan your cash-out around that ceiling.
A 1099 loan qualifies contractors and gig workers using their 1099 forms instead of tax returns, often counting 90–100% of gross 1099 earnings. It's a great fit if most of your income comes on 1099s.
Can gig income from Uber or DoorDash qualify?
Yes — it's self-employment income. Lenders aggregate deposits or 1099s across platforms; about two years of history is the norm. Route payouts into one account so every dollar is verifiable.
I was denied a conventional mortgage — now what?
Get the written denial reason first. If it's income or DTI related, your write-offs were probably the culprit, and a bank statement, 1099, P&L, or DSCR loan may approve the same file on real cash flow.
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.
Who is a bank statement loan best for?
Business owners, 1099 contractors, realtors, gig workers, and freelancers whose tax write-offs shrink their reported income but whose deposits show strong, steady cash flow.
Can I close a DSCR loan in my LLC's name?
Yes — DSCR loans commonly close in an LLC or other entity, which many investors prefer for liability separation. The property qualifies on its rent versus its full payment (PITIA), not your personal income.
Irion County business owners — get pre-qualified
Free, no-obligation. See what you qualify for in about a minute.