Bank Statement Qualifier (Self-Employed)
The Bank Statement Qualifier program is customized for self-employed investors who may not have traditional income documentation. Borrowers qualify using 12- or 24-month personal and business bank statements instead of tax returns. Loans up to $4,000,000 are available with a DTI up to 55%, and multiple financed properties are supported. Non-warrantable condos and second homes are eligible, and ARM or interest-only options provide flexibility for cash flow management.
Minimal documentation and faster approvals make it ideal for self-employed individuals seeking to build or expand their investment portfolios. This program empowers borrowers to leverage income effectively while simplifying the lending process.
Features:
- 12- or 24-month bank statement qualification
- DTI up to 55%
- Loan amounts up to $4,000,000
- LTV up to 85%
- Supports non-warrantable condos and second homes
Benefits:
- Starting at a 620-credit score
- Ideal for self-employed borrowers
- Reduced documentation requirements
- Supports multiple financed properties
- Flexible loan structures and terms
Price: Varies by property and program
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