Financing/Bank statement
Bank Statement
Self-employed files rarely fit a W-2 mold. Many borrowers may qualify using twelve months of personal or business bank statements when deposits support the file—subject to underwriting. Traditional tax returns may not be the primary income path on eligible Non-QM scenarios.
Program snapshot
Loan amount
Up to $50 million
LTV
LTV up to 80%
Credit score
660 minimum
Max. DTI
55% ceiling
Borrower type
Self-employed · Non-QM
Program guidelines
Published product parameters for this program. Final terms depend on underwriting, collateral, and documentation.
Loan purpose
- Purchase or refinance residential property using alternative income documentation
- Support self-employed borrowers whose bank deposits better reflect cash flow
- Access eligible cash-out or refinance options when traditional W-2 income does not fit the file
Loan term
- 30-year fixed-rate option
- 5/6 ARM
- 3/6 ARM
- Reserve requirement: 6 months of PITIA
Loan amount
- Loan sizes up to $50 million
Loan to value (LTV)
- Maximum LTV: 80%
Minimum credit score
- 660
Maximum DTI
- 55%
Property type
- Owner-occupied 1–2 unit homes
- Second homes
- Non-owner-occupied (investment) properties
Eligible property types
- Single family residence (SFR)
- PUDs
- Condos
- Townhouses
Eligible borrowers
- U.S. citizens and permanent resident aliens
- Non-permanent resident aliens
Need help choosing a program?
Share the property, timeline, and target proceeds—we will map the fit before you invest in a full file.
Illustrative only. Availability, pricing, and documentation depend on the property, the borrower, and credit approval. This page is not a commitment to lend.