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…
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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.