Bank statement & 1099 mortgages for San Patricio County
San Patricio County realtors, contractors, and small-business owners use bank statement loans to turn strong deposit history into buying power — no tax returns required, down payments often starting at 10%. Real estate investors can use DSCR loans that qualify on a property's rental cash flow alone. Our specialists work with self-employed borrowers throughout San Patricio County, including Sinton and nearby areas.
San Patricio County at a glance
In San Patricio County, the typical home was listing around $279,900 as of June 2026 and the median household income is about $69,930 (2024). A bank statement loan counts real cash flow, so strong deposits can support a home at the local price even when taxable income looks low.
Who qualifies in San Patricio County
- Self-employed 2+ years preferred (1–2 years can work with a strong history)
- Roughly 50% of business-account deposits counted as qualifying income
- Built for 1099 contractors, realtors, gig workers, and small-business owners
- Write-offs that cut your taxable income don't cut your qualifying income
Business owners across San Patricio County turned down on a conventional loan often qualify here on deposits alone — the check is free and there's no obligation.
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.
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.
P&L-only loan options
Some self-employed borrowers qualify with a CPA-prepared profit-and-loss statement, sometimes paired with a couple months of statements. A P&L loan is another non-QM path when your deposits alone don't capture the whole picture.