Bank Statement Loans in Real County, TX

Bank Statement Home Loans in Real 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

Self-employed home loans across Real County

Real County is full of entrepreneurs whose tax returns understate what they really earn. A bank statement mortgage fixes that by underwriting your deposits, not your write-off-reduced taxable income. No W-2s and no tax returns are required to document your income. Our specialists work with self-employed borrowers throughout Real County, including Leakey and nearby areas.

Real County at a glance

In Real County, the median household income is about $57,066 (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 Real County

Self-employed 2+ years preferred (1–2 years can work with a strong history)
Write-offs that cut your taxable income don't cut your qualifying income
Local specialists who structure non-QM loans for Real County business owners
Personal or business bank statements both accepted

From Leakey to the rest of Real County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.

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.

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.

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.

Browse all 254 Texas counties →

Frequently Asked Questions

How long do I need to be self-employed?

Typically two years, though one year may work if you have prior experience in the same line of work. We'll help you find the program that fits your timeline.

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.

Can I finance a barndominium with a non-QM loan in Texas?

Texas is one of the friendliest barndo lending markets anywhere. Portfolio and non-QM lenders finance completed barndominiums when comparable sales support the appraisal; construction usually runs through a construction-to-permanent loan.

How much down payment do I need?

Most bank statement programs start around 10%, with stronger pricing at 15–20%+. A larger down payment can offset a lower credit score or thinner deposit history.

What documents will I need?

Generally 12–24 months of statements, proof of self-employment (license, incorporation docs, or a CPA letter), and asset statements for your down payment and reserves.

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.