Self-employed home loans across Kent County
For self-employed buyers in Kent 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. Lenders count 12–24 months of deposits — often 50% of business or 100% of personal — as income. Whether your business is in Jayton or elsewhere in Kent County, we can turn your deposits into buying power.
Kent County at a glance
In Kent County, the median household income is about $64,002 (2024). For business owners here, qualifying income comes from 12–24 months of deposits — often enough to comfortably reach the local price point.
Who qualifies in Kent County
- Personal or business bank statements both accepted
- Write-offs that cut your taxable income don't cut your qualifying income
- Credit from 620 and down payments from 10%
- Qualify on 12–24 months of bank statements instead of tax returns
From Jayton to the rest of Kent County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.
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.
Asset depletion: your portfolio is your paycheck
Retirees and business sellers can qualify by converting verified assets into income — commonly eligible assets divided over a set number of months. Cash counts fully, securities and retirement funds at a discount. No employment, no tax returns: the balance sheet does the talking.