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.