Loan Programs — Self-Employed

Bank Statement Loans

Your tax returns say one thing. Your bank account says another. Bank statement programs qualify you on actual deposits — not what your CPA wrote off.

Get a Free Quote See if this fits your situation →

12–24

Months of Deposits

Tax Returns Required

Up to $5M

Loan Amount

Who It’s For

Is this your loan?

Every program is built for a specific borrower. Here’s where this one tends to be the right call.

The Business Owner

You run a profitable business but write off aggressively. Your AGI doesn’t reflect your cash flow — and conventional lenders can’t work with that. Bank statement can.

The 1099 Earner

Freelancers, consultants, gig workers with variable income. If your deposits tell a consistent story over 12–24 months, there’s a program for you.

The Self-Employed Professional

Doctors, attorneys, real estate investors, agency owners — high earners whose income structure doesn’t fit the W-2 box. This is built for you.

The Process

From quote to keys

One point of contact, start to finish. Here’s what working with Manor looks like.

Scenario Review

We review your deposit history and business structure first — personal vs. business statements, expense factor, lender fit. Before a single doc is pulled.

Application & Docs

12 or 24 months of bank statements (personal or business depending on structure), 2 years of business returns for entity verification, CPA letter if required by lender.

Underwriting

Non-QM underwriting is manual and more nuanced. We prepare a clean file with a clear income narrative before submission — minimizing back-and-forth.

Close & Fund

Timeline runs 21–35 days depending on lender. Your loan officer manages milestones proactively and keeps you informed throughout.

Common Questions

Straight answers

They average your monthly deposits over 12 or 24 months and apply an expense factor — typically 50% for business accounts, 100% for personal. So if you deposit $30K/month into a business account, the lender may count $15K as qualifying income. The specific method varies by lender — we’ll show you how each one calculates it for your deposits.

Depends on how your cash flows. If revenue goes directly to personal accounts, personal statements are cleaner. If it flows through a business entity, business statements are used with an expense ratio applied. Some lenders allow blending. Your loan officer will review your actual statements and recommend the optimal approach.

Minimum varies by lender — generally 620–660 for bank statement programs. Pricing improves significantly at 700+. Non-QM programs do allow more flexibility than conventional, but credit still matters.

Yes — bank statement loans are non-QM, which means a higher rate than a standard W-2 conventional loan. The premium is typically 0.5%–1.5% depending on LTV, credit, and loan amount. For borrowers who can’t qualify conventionally, it’s the right tool. Your loan officer will show you the full cost comparison.

Yes. Bank statement programs are available for primary residences, second homes, and investment properties. Investment property overlays apply — typically higher down payment and reserve requirements.

Get a Quote

Your deposits tell the real story

Bring us 3 months of statements for a preliminary read. Your loan officer will tell you quickly whether the numbers work and which lender is the best fit.

Preliminary review before full application
Personal and business statement programs
12 or 24 month options depending on income
Your loan officer responds personally

Tell us about your scenario

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Got it — your loan officer will be in touch.