Bank statement & 1099 mortgages for Randall County
If you've been told you 'make too much to qualify on paper' in Randall County, a bank statement loan is likely your answer. It qualifies you on your deposits, so the income you actually earn is the income that counts. A CPA-prepared profit-and-loss statement can stand in when deposits don't tell the whole story. Whether your business is in Canyon or elsewhere in Randall County, we can turn your deposits into buying power.
Randall County at a glance
In Randall County, the typical home was listing around $389,750 as of May 2026 and the median household income is about $83,677 (2024). Self-employed buyers here qualify on bank deposits rather than tax returns — which often supports a higher price than a write-off-reduced return would.
Who qualifies in Randall County
- Roughly 50% of business-account deposits counted as qualifying income
- Write-offs that cut your taxable income don't cut your qualifying income
- Local specialists who structure non-QM loans for Randall County business owners
- Qualify on 12–24 months of bank statements instead of tax returns
From Canyon to the rest of Randall County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.
Financing a Texas barndominium
Texas is the most barndo-friendly lending market in the country, but financing is still lender-by-lender: appraisals hinge on comparable metal-building home sales, which rural Texas counties actually have. Completed barndos fit portfolio and non-QM programs; new builds usually run through construction-to-permanent loans with a licensed builder.
Asset depletion: your portfolio is your paycheck
Retirees and business sellers can qualify by converting verified assets into income — commonly eligible assets divided over a set number of months. Cash counts fully, securities and retirement funds at a discount. No employment, no tax returns: the balance sheet does the talking.
ITIN loans: no Social Security number required
Taxpayers who file with an IRS-issued ITIN can buy a home through ITIN mortgage programs — typically 10-20% down, two years of work history, and credit shown by score or alternative trade lines like rent and utilities. Self-employed ITIN borrowers can often qualify with bank statements.