Bank Statement Loans in Travis County, TX

Bank Statement Home Loans in Travis 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

Bank statement loans in Travis County, Texas

Self-employed in Travis County? Your tax write-offs shouldn't keep you from buying a home. A bank statement loan qualifies you on 12–24 months of real deposits instead of tax returns, so Travis County business owners can finance the home they can actually afford. A CPA-prepared profit-and-loss statement can stand in when deposits don't tell the whole story. Our specialists work with self-employed borrowers throughout Travis County, including Austin and nearby areas.

Who qualifies in Travis County

Self-employed 2+ years (1–2 years may work with experience)
12–24 months of bank statements
620+ credit and 10%%+ down
Roughly 50%% of monthly deposits counted as income

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.

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.

1099 loans for contractors and gig workers

If most of your income arrives on 1099s, a 1099 loan may beat a bank-statement loan — lenders can count roughly 90–100% of your gross 1099 earnings, rather than discounting business deposits by half. It's built for freelancers, consultants, and independent contractors.

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Frequently Asked Questions

I was denied a conventional mortgage — now what?

Get the written denial reason first. If it's income or DTI related, your write-offs were probably the culprit, and a bank statement, 1099, P&L, or DSCR loan may approve the same file on real cash flow.

How much of my deposits count as income?

Typically 100% of personal-account deposits, or about 50% of business-account deposits, sometimes adjusted by a CPA expense letter. Roughly $20,000/month in business deposits can support about a $350,000 home.

Should I use 12 or 24 months of statements?

Both are accepted. Twelve months is faster; 24 months usually produces a more accurate, stronger income figure — especially if your business is seasonal or your monthly deposits swing up and down.

Can I refinance with a bank statement loan?

Yes — you can refinance to lower your rate or take cash out, subject to Texas's 80% cash-out limit on a primary residence.

Can I close a DSCR loan in my LLC's name?

Yes — DSCR loans commonly close in an LLC or other entity, which many investors prefer for liability separation. The property qualifies on its rent versus its full payment (PITIA), not your personal income.

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.