See if you qualify, free, 60-second check.
The fastest way to reach us is the free eligibility check on this page. A licensed Texas specialist will already have your details when they follow up. Prefer email? Write to hello@texasbankstatementloans.com and we'll reply the same business day.
Estimating your qualifying income from 12-24 months of bank statements, comparing bank-statement vs. DSCR vs. conventional financing, what credit and down payment you'll need, financing a rental on its own cash flow, and getting a clear answer after a conventional lender said no.
We aim to follow up within one business hour. Check your eligibility first and a licensed Texas specialist will already have your situation in front of them when they reach out, so the conversation starts with answers, not a questionnaire.
Our office: 7700 Windrose Ave, Plano, TX 75024 (Legacy West). Founded in Dallas, Texas and built with love, serving borrowers across all of Texas.
Prefer we reach out? Complete the quick eligibility check above and a specialist will contact you shortly. There's no credit pull and no obligation.
A bank statement loan is a non-QM mortgage that lets self-employed borrowers qualify using 12-24 months of bank deposits instead of tax returns, W-2s, or pay stubs.
Lenders average your monthly deposits and apply an expense factor (commonly around 50%) to estimate your qualifying income, so heavy tax write-offs don't hurt you.
Typically 2 years of self-employment, a 620+ credit score, 10%+ down, and consistent deposits. Stronger deposits and credit unlock better terms.
As a rough guide, roughly 50% of your monthly deposits is counted as income. Depositing ~$20k/month can support around a $350k purchase. Use the calculator below for your numbers.
Free, no-obligation. See what you qualify for in about a minute.