Bank Statement Loans in Presidio County, TX

Bank Statement Home Loans in Presidio County, TX

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 specialists NMLS ID available on request Equal Housing Opportunity

Bank statement & 1099 mortgages for Presidio County

For self-employed buyers in Presidio County, the right loan looks at your bank statements, not your 1040. With 12–24 months of deposits, you can qualify for a home without the W-2s and tax returns a traditional lender demands. Primary homes, second homes, and investment properties can all qualify. Whether your business is in Marfa or elsewhere in Presidio County, we can turn your deposits into buying power.

Presidio County at a glance

In Presidio County, the median household income is about $49,703 (2024). Against those numbers, qualifying on deposits instead of tax returns is what lets local self-employed buyers actually reach the price they can afford.

Who qualifies in Presidio County

Write-offs that cut your taxable income don't cut your qualifying income
Local specialists who structure non-QM loans for Presidio County business owners
Roughly 50% of business-account deposits counted as qualifying income
DSCR options too, if you're financing a Presidio County rental on its own cash flow

Self-employed buyers near Marfa and throughout Presidio County use bank statement loans to qualify on real cash flow; the 60-second check shows your estimated income with no credit pull.

Texas's 80% cash-out rule

Texas homestead law caps cash-out refinances on a primary residence at 80% of the home's value — you must keep at least 20% equity. It applies to every loan type, including bank-statement loans, so plan your cash-out around that ceiling.

LLC and S-corp owners: your K-1 isn't the ceiling

Owners who pay themselves modest salaries and leave profit in the business look artificially small on paper. Bank statement programs can use your business account deposits — typically counted around 50%, or higher with a CPA letter documenting your expense ratio — so the company's real cash flow backs your approval.

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.

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Frequently Asked Questions

What is a DSCR loan for investors?

A DSCR loan qualifies real estate investors on a property's rental cash flow instead of personal income — no tax returns or pay stubs. It's ideal for rentals, cash-out refinances, and growing a portfolio.

Will moving money between my accounts hurt my application?

It can muddy the file. Transfers between your own accounts get excluded so they aren't double-counted, and frequent overdrafts or NSFs are red flags. Keep deposits clean and consistent in the months before applying.

I was denied a conventional mortgage — now what?

Get the written denial reason first. If it's income or DTI related, your write-offs were probably the culprit, and a bank statement, 1099, P&L, or DSCR loan may approve the same file on real cash flow.

Are bank statement loan rates higher?

Usually somewhat higher (often about 0.5%–2% over conventional) because they don't fit standard guidelines. There's no monthly PMI, and the real comparison is to being denied conventionally — many borrowers refinance later.

What is a P&L loan?

A profit-and-loss loan lets you qualify using a CPA-prepared P&L statement, sometimes with fewer bank statements. It's another non-QM path when bank-statement deposits alone don't tell the full story.

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.