See if you qualify — free, 60-second check.
Run your numbers before you talk to anyone. Every calculator below is free, instant, and needs no signup and no credit pull — so you can plan with confidence and walk into the conversation already knowing your range. Self-employed buyers can turn 12–24 months of deposits into an estimated qualifying income, size a monthly payment, and check a DSCR before financing a rental.
These are estimates to help you plan; a licensed Texas loan specialist confirms exact figures based on your full profile. When you're ready, the free eligibility check takes about 60 seconds.
If you're self-employed, your tax returns probably understate what you really earn — which is why conventional lenders so often under-qualify business…
Open calculator →A DSCR loan lets real estate investors qualify on a property's rental cash flow instead of personal income — no tax returns or pay stubs. The Debt Service…
Open calculator →How much home can you afford when you're self-employed? Start with your qualifying income — your counted bank-statement deposits, not your tax-return…
Open calculator →Estimate your full monthly payment for any home — principal, interest, Texas property taxes, and homeowners insurance — at any price and rate. Texas…
Open calculator →Your debt-to-income ratio is one of the most important numbers in qualifying for any mortgage. It compares your monthly debts to your income and tells a…
Open calculator →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.