See if you qualify — free, 60-second check.
Call or text us at (972) 978-9791. We're available 9 AM–6 PM Central, Monday–Friday. After hours, use the eligibility check at the top of this page to book a time and we'll call you the next business morning.
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.
During business hours we aim to reach out within the hour. Check your eligibility first and a licensed Texas specialist will already have your situation in front of them when they call — 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.