Qualify on deposits, not tax returns, in Jeff Davis County
If you've been told you 'make too much to qualify on paper' in Jeff Davis County, a bank statement loan is likely your answer. It qualifies you on your deposits, so the income you actually earn is the income that counts. Real estate investors can use DSCR loans that qualify on a property's rental cash flow alone. Whether your business is in Fort Davis or elsewhere in Jeff Davis County, we can turn your deposits into buying power.
Jeff Davis County at a glance
In Jeff Davis County, the median household income is about $67,735 (2024). Against those numbers, qualifying on deposits instead of tax returns is what lets local self-employed buyers actually reach the price they can afford.
Who qualifies in Jeff Davis County
- Built for 1099 contractors, realtors, gig workers, and small-business owners
- Qualify on 12–24 months of bank statements instead of tax returns
- Credit from 620 and down payments from 10%
- Write-offs that cut your taxable income don't cut your qualifying income
From Fort Davis to the rest of Jeff Davis County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.
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.
How much you'll put down
Most bank-statement programs start around 10% down, with better pricing at 15–20%+. If your credit or deposit history is on the lighter side, a larger down payment is often the lever that gets you approved.
12 vs. 24 months of statements
Lenders accept either 12 or 24 months of personal or business statements. Twelve months gets you to the finish line faster, while 24 months smooths out seasonal swings and often produces a higher, more defensible qualifying income.