Qualify on deposits, not tax returns, in Kenedy County
Kenedy County is full of entrepreneurs whose tax returns understate what they really earn. A bank statement mortgage fixes that by underwriting your deposits, not your write-off-reduced taxable income. A CPA-prepared profit-and-loss statement can stand in when deposits don't tell the whole story. We serve self-employed buyers from the county seat of Sarita to communities across Kenedy County.
Kenedy County at a glance
In Kenedy County, the median household income is about $46,960 (2024). Self-employed buyers here qualify on bank deposits rather than tax returns — which often supports a higher price than a write-off-reduced return would.
Who qualifies in Kenedy County
- Roughly 50% of business-account deposits counted as qualifying income
- Write-offs that cut your taxable income don't cut your qualifying income
- Built for 1099 contractors, realtors, gig workers, and small-business owners
- Qualify on 12–24 months of bank statements instead of tax returns
Business owners across Kenedy County turned down on a conventional loan often qualify here on deposits alone — the check is free and there's no obligation.
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.
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.
Financing a Texas barndominium
Texas is the most barndo-friendly lending market in the country, but financing is still lender-by-lender: appraisals hinge on comparable metal-building home sales, which rural Texas counties actually have. Completed barndos fit portfolio and non-QM programs; new builds usually run through construction-to-permanent loans with a licensed builder.