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 specialistsNMLS ID available on requestEqual Housing Opportunity
Business owners and 1099 earners in Uvalde County have options beyond the conventional box. Bank statement, 1099, and P&L loan programs qualify you on real income — your deposits — so write-offs don't sink your application. Real estate investors can use DSCR loans that qualify on a property's rental cash flow alone. Whether your business is in Uvalde or elsewhere in Uvalde County, we can turn your deposits into buying power.
Who qualifies in Uvalde 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
Realtors: qualify on your commissions
Agents deduct heavily — mileage, marketing, MLS dues, splits — so the net income a conventional lender sees rarely reflects real earnings. Bank statement loans count your commission deposits, and 1099 loans count 90-100% of your gross 1099 — two clean paths to the home you've been selling everyone else.
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.
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.
Yes. Bank statement and DSCR loans can finance primary homes, second homes, and investment properties. Note Texas caps cash-out refinances on a primary residence at 80% of value.
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.
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.
What is a 1099 loan and how is it different?
A 1099 loan qualifies contractors and gig workers using their 1099 forms instead of tax returns, often counting 90–100% of gross 1099 earnings. It's a great fit if most of your income comes on 1099s.
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.
Will moving money between my accounts hurt my application?
It can muddy the file. Transfers between your own accounts get excluded so they aren't double-counted, and frequent overdrafts or NSFs are red flags. Keep deposits clean and consistent in the months before applying.
Uvalde County business owners — get pre-qualified
Free, no-obligation. See what you qualify for in about a minute.