Bank statement & 1099 mortgages for Pecos County
Self-employed in Pecos County? Your tax write-offs shouldn't keep you from buying a home. A bank statement loan qualifies you on 12–24 months of real deposits instead of tax returns, so Pecos County business owners can finance the home they can actually afford. Lenders count 12–24 months of deposits — often 50% of business or 100% of personal — as income. We serve self-employed buyers from the county seat of Fort Stockton to communities across Pecos County.
Pecos County at a glance
In Pecos County, the median household income is about $64,808 (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 Pecos County
- Personal or business bank statements both accepted
- Self-employed 2+ years preferred (1–2 years can work with a strong history)
- Qualify on 12–24 months of bank statements instead of tax returns
- DSCR options too, if you're financing a Pecos County rental on its own cash flow
From Fort Stockton to the rest of Pecos 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.
Your write-offs stop working against you
The deductions that lower your tax bill also lower the income a conventional lender sees — which is why so many business owners get under-qualified or denied. A bank-statement loan flips that: your real deposits, not your write-off-reduced taxable income, drive your approval.