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.