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
Business owners and 1099 earners in Medina County have options beyond the conventional box. Bank statement, 1099, and P&L loan programs qualify you on real income — your deposits — so write-offs don't sink your application. Many borrowers buy now and refinance into a conventional loan once their tax picture strengthens. From Hondo to the surrounding towns, we help Medina County business owners qualify on their deposits.
Who qualifies in Medina 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
Close your rental in an LLC
DSCR loans commonly close in an entity's name, which is why investors love them: liability separation, no personal income docs, and qualification that's just the property's rent divided by its full payment (PITIA). A ratio of 1.0 covers the payment; 1.25+ earns the best pricing.
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.
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.
Generally 12–24 months of statements, proof of self-employment (license, incorporation docs, or a CPA letter), and asset statements for your down payment and reserves.
Do I need cash reserves?
Usually yes — many non-QM programs require about 3 to 12 months of PITI (principal, interest, taxes, insurance) in reserves, with larger loans requiring more.
How much down payment do I need?
Most bank statement programs start around 10%, with stronger pricing at 15–20%+. A larger down payment can offset a lower credit score or thinner deposit history.
What is an asset depletion loan?
A non-QM program that converts verified liquid assets into monthly qualifying income — commonly assets divided over a set number of months. It suits retirees, business sellers, and high-net-worth borrowers without paychecks.
How much of my deposits count as income?
Typically 100% of personal-account deposits, or about 50% of business-account deposits, sometimes adjusted by a CPA expense letter. Roughly $20,000/month in business deposits can support about a $350,000 home.
Can gig income from Uber or DoorDash qualify?
Yes — it's self-employment income. Lenders aggregate deposits or 1099s across platforms; about two years of history is the norm. Route payouts into one account so every dollar is verifiable.
Medina County business owners — get pre-qualified
Free, no-obligation. See what you qualify for in about a minute.