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 $337,450 as of July 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.