Bank statement & 1099 mortgages for Kendall County
Kendall County realtors, contractors, and small-business owners use bank statement loans to turn strong deposit history into buying power, no tax returns required, down payments often starting at 10%. Primary homes, second homes, and investment properties can all qualify. Our specialists work with self-employed borrowers throughout Kendall County, including Boerne and nearby areas.
Kendall County at a glance
In Kendall County, the median household income is about $121,401 (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 Kendall County
- DSCR options too, if you're financing a Kendall County rental on its own cash flow
- Roughly 50% of business-account deposits counted as qualifying income
- Credit from 620 and down payments from 10%
- Personal or business bank statements both accepted
From Boerne to the rest of Kendall 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.
Non-warrantable condos: when the building is the problem
Sometimes you qualify and the condo doesn't, too many rentals in the project, pending litigation, one owner holding too many units. Conventional lenders walk away; non-QM lenders underwrite the building on its merits. If a condo deal died over 'warrantability,' there's usually still a loan for it.
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.