A bank statement loan qualifies you using 12 to 24 months of personal or business bank deposits — not your tax returns, W-2s, or pay stubs. Built for self-employed Florida borrowers whose write-offs make their taxable income look lower than their actual cash flow. Bank statement loans are one of the two largest non-QM loan categories by volume — close behind DSCR/investor loans, which lead the category at roughly a third of non-QM lending, according to 2026 industry rate-lock data.
Write-offs that lower your taxable income don't have to lower what you qualify for. Deposits reflect actual cash flow.
Inconsistent monthly income is normal for freelance work. 12–24 months of statements shows the full picture.
Haven't filed two full years of returns yet? Bank statement programs can bridge the gap conventional lending can't.
Bank statement programs extend to jumbo loan amounts for qualified borrowers purchasing higher-value Florida homes.
We review 12–24 months of personal or business bank statements to calculate your qualifying income.
We match your deposit pattern, credit profile, and down payment to the strongest available program.
Underwriting proceeds using your calculated deposit income — no tax returns or W-2s required.
Close on your primary residence, second home, or investment property with income you can actually document.
If the property you're financing is a rental, DSCR financing based on the property's own income may qualify you faster.
Compare DSCR Loans →Private consultation with Kelly or Ray Nadeau. We'll review your bank statements, confirm the right program, and outline next steps — no obligation.
📞 321-321-9455 · Kelly Nadeau FL Broker BK3344334, NMLS #1027618 · Ray Nadeau, FL Broker BK3344407, NMLS #1027617