Self-employed? Qualify using 12–24 months of bank statements instead of tax returns. We count your real deposits — not your write-offs. See your qualifying income in 60 seconds.
No Tax ReturnsQualify on 12–24 months of personal or business bank statements.
Real Income CountedWe use your deposits, not your write-off-reduced taxable income.
10% DownCompetitive down-payment options for self-employed borrowers.
Built for Business Owners1099 contractors, realtors, gig workers, and entrepreneurs welcome.
Licensed Texas loan specialistsNMLS ID available on requestEqual Housing Opportunity
Qualify on deposits, not tax returns, in Llano County
Llano 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. Lenders count 12–24 months of deposits — often 50% of business or 100% of personal — as income. From Llano to the surrounding towns, we help Llano County business owners qualify on their deposits.
Who qualifies in Llano 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
Jumbo loans without tax returns
Above the conforming limit — $832,750 in most Texas counties for 2026 — bank statement jumbo programs keep working. Expect larger down payments and deeper reserves than smaller loans, but the core trade holds: your deposits, not your post-write-off taxable income, set your buying power.
12 vs. 24 months of statements
Lenders accept either 12 or 24 months of personal or business statements. Twelve months gets you to the finish line faster, while 24 months smooths out seasonal swings and often produces a higher, more defensible qualifying income.
P&L-only loan options
Some self-employed borrowers qualify with a CPA-prepared profit-and-loss statement, sometimes paired with a couple months of statements. A P&L loan is another non-QM path when your deposits alone don't capture the whole picture.
Yes — you can refinance to lower your rate or take cash out, subject to Texas's 80% cash-out limit on a primary residence.
What DSCR ratio do lenders want?
A DSCR of 1.0 means rent covers the full payment; many lenders price best at 1.25 or higher. Some programs allow ratios below 1.0 with stronger down payments and reserves.
What is a bank statement loan?
It's a mortgage that qualifies self-employed borrowers on 12–24 months of bank deposits instead of tax returns. If your write-offs make your taxable income look low, this counts your real cash flow instead.
What is a 1099 loan and how is it different?
A 1099 loan qualifies contractors and gig workers using their 1099 forms instead of tax returns, often counting 90–100% of gross 1099 earnings. It's a great fit if most of your income comes on 1099s.
How long do I need to be self-employed?
Typically two years, though one year may work if you have prior experience in the same line of work. We'll help you find the program that fits your timeline.
Can I close a DSCR loan in my LLC's name?
Yes — DSCR loans commonly close in an LLC or other entity, which many investors prefer for liability separation. The property qualifies on its rent versus its full payment (PITIA), not your personal income.
Llano County business owners — get pre-qualified
Free, no-obligation. See what you qualify for in about a minute.