A self-employed borrower’s mortgage solution that qualifies based on 12–24 months of bank statements instead of tax returns.
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Bank Statement loans are designed for self-employed borrowers, entrepreneurs, and independent contractors who may not qualify through traditional income documentation. Instead of requiring tax returns or W-2s, these loans use 12 or 24 months of personal or business bank statements to calculate qualifying income based on actual deposits. This approach makes it possible for high-earning individuals—especially those who write off a significant portion of their income—to secure financing with simplified documentation and flexible terms.
For self-employed buyers, tax returns often understate true earning power. Bank Statement loans solve that problem by qualifying based on real cash flow, opening the door to larger loan amounts and higher loan-to-value ratios—up to 90% in many cases. They’re a strategic fit for freelancers, business owners, real estate investors, and gig-economy professionals who want to move quickly without unnecessary underwriting roadblocks.
Elliman Capital’s lending team specializes in bank statement financing, ensuring your application is reviewed with a deep understanding of self-employed income patterns. Start with our quick online application, and we’ll analyze your statements, structure the best-fit terms, and guide you to a smooth, timely closing.
