Qualify on deposits, not tax returns, in Taylor County
Taylor 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. Down payments often start around 10%, with stronger pricing at 15–20%. We serve self-employed buyers from the county seat of Abilene to communities across Taylor County.
Taylor County at a glance
In Taylor County, the typical home was listing around $364,125 as of June 2026 and the median household income is about $64,490 (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 Taylor County
- Credit from 620 and down payments from 10%
- Built for 1099 contractors, realtors, gig workers, and small-business owners
- Roughly 50% of business-account deposits counted as qualifying income
- Personal or business bank statements both accepted
Self-employed buyers near Abilene and throughout Taylor County use bank statement loans to qualify on real cash flow; the 60-second check shows your estimated income with no credit pull.
Denied? The documentation was wrong, not the income
Most self-employed denials trace to one cause: the underwriter used post-write-off taxable income. The same file re-documented with 12-24 months of deposits, gross 1099s, or a CPA-prepared P&L often approves. Bring your denial letter — it tells the next loan officer exactly what to solve.
DSCR loans for real estate investors
Buying a rental? A DSCR loan qualifies you on the property's cash flow instead of your personal income — no tax returns, no pay stubs. With interest-only options and entity (LLC) eligibility, it's the go-to for investors growing a portfolio.
Non-warrantable condos: when the building is the problem
Sometimes you qualify and the condo doesn't — too many rentals in the project, pending litigation, one owner holding too many units. Conventional lenders walk away; non-QM lenders underwrite the building on its merits. If a condo deal died over 'warrantability,' there's usually still a loan for it.