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.
Who qualifies in Kendall 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
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.