Bank statement & 1099 mortgages for Medina County
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.
Medina County at a glance
In Medina County, the median household income is about $96,423 (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 Medina County
- Personal or business bank statements both accepted
- Local specialists who structure non-QM loans for Medina County business owners
- Built for 1099 contractors, realtors, gig workers, and small-business owners
- DSCR options too, if you're financing a Medina County rental on its own cash flow
From Hondo to the rest of Medina County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.
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.