Yes. You can provide either personal or business statements. If using personal statements, we generally count 100% of deposits as income; for business statements, an expense ratio is applied.
Mortgages Without Tax Returns
Easier with many more ways for home owners and investors to qualify for affordable loans.
From Bank Statement & DSCR to Asset Depletion & Bridge Funding — we offer a more flexible path to qualify across our full suite of specialized lending solutions.
35+ YEARS
Industry Experience
$50M+
In Funded Loans
24-48 HR
Pre-Approval Turnaround
NATIONWIDE
Investment Lending
Our Streamlined Path to Funding
Discovery Call
A brief strategy session to identify the best alternative approach to financing for your specific income or investment structure.
Alternative Qualification
We use multiple ways to qualify you—using Bank Statements, P&L, or Assets as just a few examples of how we verify income without traditional tax returns.
Fast Funding
Leverage our 24-48 hour pre-approval to secure your property and close your loan in as little as 21-30 days.
Our Streamlined Path to Funding
Bank Statement Mortgages
Qualify using 12-24 months of deposits rather than tax returns.
Airbnb & STR DSCR
Finance your short-term rental using AirDNA projections to maximize leverage.
Long-Term DSCR Loans
Scale your real estate portfolio with loans qualified solely on rental performance.
1099 Contractor Loans
Specialized mortgage solutions for freelancers using gross 1099 earnings.
P&L Mortgage Lending
Qualify using your unaudited business Profit & Loss statements.
Primary & Second Homes
Purchase or refinance your personal residence with flexible terms.
Asset Depletion Mortgages
Leverage your liquid net worth to qualify based on assets rather than income.
Fix and Flip Loans
Short-term capital for acquisition and up to 100% of renovation costs.
Bridge Loans
Fast, flexible gap funding to secure properties before permanent financing.
Hard Money Loans
Asset-based lending focused on property equity rather than borrower credit.
Construction Loans
Financing for ground-up spec builds or major multi-unit developments.
Strategic Wins: Portfolio-Building Success
The Self-Employed Solution
Qualifying Without Tax Returns
The Strategy: By utilizing an alternative approach, we secured a $1.2M loan for a tech consultant who showed significant business write-offs.
The Win: We qualified the borrower using 24 months of bank deposits to prove actual cash flow, bypassing the low net income shown on their tax returns.
High-Net-Worth Leveraging
Assets as Income
The Strategy: A client with substantial liquidity but no traditional employment needed a luxury vacation home.
The Win: We utilized Asset Depletion, converting a $5M liquid portfolio into a monthly qualifying income stream to meet debt-to-income requirements without a job.
Ground-Up Growth
Future Value Qualification
The Strategy: A spec builder in Florida required $2.5M for a new project but didn’t fit traditional construction guidelines.
The Win: We qualified the loan based on the Projected ARV (After Repair Value) and market feasibility rather than the builder’s personal income, allowing the project to break ground immediately.
Scaling via Performance
AirDNA Data Leveraging
The Strategy: An investor wanted to scale their short-term rental portfolio but was capped by personal income limits.
The Win: We secured a DSCR Loan using AirDNA projections to prove the property’s future cash flow potential, qualifying the property based on its own performance rather than the borrower’s tax returns.
Frequently Asked Questions
Bank Statement Loans (Self-Employed)
How do I qualify for a mortgage using bank statements?
If you are self-employed or a business owner, we use your 12 or 24 months of personal or business bank statements to calculate your qualifying income. This replaces the need for traditional tax returns or W-2s.
What is the minimum credit score for a Bank Statement loan?
While requirements vary, most Bank Statement programs look for a minimum credit score of 620. Higher scores often unlock better rates and lower down payment requirements.
Can I use personal bank statements instead of business statements?
Flexible Property Solutions (Primary, Second, or Investment)
Which loan products can be used for a primary residence or a second home?
Most of our Non-QM products, including Bank Statement and Asset-Based loans, are available for primary residences, vacation homes, and investment properties.
What are the down payment requirements for a second home?
For second homes and investment properties, down payments typically start at 15-20%, depending on your credit profile and the specific loan program chosen.
Do you offer financing for non-warrantable condos?
Yes. We provide financing options for condos that may not meet traditional Fannie Mae or Freddie Mac standards, whether they are for personal use or investment.
Strategic Wins: Portfolio-Building Success
Traditional Bank
- Requires 2 years of full tax returns and W-2s.
- Rigid conforming loan limits.
- Strict personal Debt-to-Income (DTI) requirements.
Strategic Mortgage
- Multiple ways to qualify your income.
- High-leverage solutions and Jumbo options up to $35,000,000.
- Focus on Property Cash Flow (DSCR) or Gross Income.
(310) 312-1200 ext. 1
Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. Subject to credit and underwriter approval. By clicking submit you consent to receiving SMS messages. ABO Capital is not a licensed Credit Repair Company.
NMLS 1763084
California BRE 01167081
Florida MBR4882
Texas SML
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