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Loan Program
Bank Statement Loans
12–24 months of business or personal bank statements stand in for tax returns on investment property purchases and refinances.
⏱ Takes 2 minutes Free, no obligation We respond within 1 business day
A bank statement loan qualifies self-employed investors using 12–24 months of bank deposits instead of tax returns, so write-offs that lower your taxable income won't work against your approval.
Program Highlights
How bank statement loans work.
Documentation
12–24 Months of Statements
We use 12 or 24 months of personal or business bank deposits to calculate your qualifying income — whichever fits your situation best.
Taxes
Zero Tax Returns Required
No tax transcripts, no W-2s — the single biggest advantage for investors whose write-offs keep their taxable income artificially low.
History
2+ Years Self-Employed Typical
Most programs want to see at least two years of self-employment, though some allow as little as one year with compensating factors.
Who This Program Fits
Business owners, 1099 contractors, and investors whose tax returns are optimized for a lower tax bill rather than a higher qualifying income.
FAQ
Bank statement loan questions.
Should I use personal or business bank statements?
It depends on how your income flows — we review both options and pick whichever qualifies you for the better amount.
What's the difference between the 12-month and 24-month programs?
24 months averages a longer income history and can price better; 12 months helps when your most recent year is your strongest.
How long do I need to have been self-employed?
Most lenders want at least two years, though some programs accept one year with a related employment history before that.
Can I use this for an investment property purchase, not just a refinance?
Yes — bank statement programs work for purchases, rate-and-term refinances, and cash-out refinances on investment property.
Program details last reviewed October 21, 2026.
Contact
Tell us about the deal.
Send the basics and we'll come back with what it'll take to fund it — usually within one business day.
- Phone
- 919‑395‑2411
- Office
- Raleigh, NC · Lending Nationwide
- Hours
- Mon–Fri, 8:00 AM–6:00 PM ET
Application
Ready when you are.
A few quick questions about the deal — no SSN, no documents, no commitment yet. Just enough for us to tell you what it'll take to fund it.
- ⏱ Takes 2 minutes
- 🔒 Free, no obligation
- 📞 We respond within 1 business day