Self-employed
Bank statement loans for self-employed borrowers
Use qualifying bank deposits to help demonstrate income instead of relying solely on traditional tax-return income.
What it is
A bank statement loan may use qualifying deposits from personal or business accounts to help demonstrate income, rather than relying only on the income shown on tax returns. 12-month bank statement programs are an important Flex Path focus.
Who it may fit
Self-employed borrowers and business owners whose tax returns don’t fully reflect cash flow. These programs can also be a fit for larger transactions when the overall file supports it—without a published loan-limit promise.
Personal vs. business statements
Either may be used depending on how the business is structured and which program is a fit. We’ll help you understand which documentation path may apply.
Why tax returns can understate cash flow
Legitimate write-offs can make a healthy business look smaller on paper. Bank deposits can help tell a fuller story. Lenders still apply program-specific methods, and results vary.
Arizona context
This page is written for Arizona borrowers. Tell us the scenario and we’ll help you explore currently available options.
Program snapshot
Bank Statement Loans
Use qualifying bank deposits to help demonstrate income instead of relying solely on traditional tax-return income. 12-month bank statement programs are an important Flex Path focus.
- Income documentation
- Personal or business bank statements, depending on the program
Program availability and guidelines vary by lender, borrower and transaction. Contact Flex Path Funding for current options.
Questions, answered plainly
What is a bank statement mortgage?
A bank statement loan may use qualifying deposits from personal or business accounts to help demonstrate income, rather than relying only on the income shown on tax returns.
How is income evaluated from bank statements?
Lenders typically review a series of statements—often 12 months—and apply program-specific methods to arrive at qualifying income. Exact calculations vary by lender.
Are personal or business statements used?
Either may be used depending on how the business is structured and which program is a fit. We’ll help you understand which documentation path may apply.
There's more than one way to qualify.
Tell us about your scenario and we'll help you explore the available mortgage options.