Who it's for
Business owners, contractors, realtors, physicians in private practice, freelancers, restaurant and salon owners — anyone self-employed 2+ years whose write-offs make tax returns useless for qualifying.
Self-Employed · Miami & South Florida
Bank statement loans — your deposits tell the real story.
You run a business in Miami. Your tax returns are optimized to keep your tax bill down — which is smart, right up until a bank uses those same returns to say you "don't make enough" for a mortgage. A bank statement loan fixes the mismatch: we qualify you on the actual deposits flowing through your accounts, not the taxable income left after write-offs. No tax returns, no W-2s.
- NMLS #1615071
- Licensed in Florida
- Pre-approvals in 24–48h
- English / Español
Plain English
What is a bank statement loan?
A bank statement loan is a mortgage where income is documented through your bank deposits instead of tax returns. Under current guidelines, you provide 12 months of statements (24 when income is seasonal) from either personal or business accounts, and the underwriter derives a qualifying income from the deposit history. It's built for borrowers who've been self-employed at least two years and whose tax returns understate what the business really produces. These are fully underwritten loans — credit, reserves, and the property all still matter — just with income documented the way self-employed money actually moves.
Personal or business accounts
Use whichever tells your story best — 12 or 24 months of personal statements or business statements (not mixed on the same loan). Multiple accounts can be combined.
Real buying power
Under current guidelines: as little as 10% down for well-qualified primary-home buyers, loan amounts from $100K up to $3.5M, and second homes and investment properties allowed.
What underwriters look for
Consistent deposits, a healthy account (unexplained overdrafts hurt), and two years of self-employment history. I pre-review your statements before anything is submitted — no surprises.
Todo en español
Muchos de mis clientes bank statement son dueños de negocio cubanos, venezolanos y colombianos. Todo el proceso — análisis de estados de cuenta, solicitud y cierre — disponible completamente en español.
Not sure this is the fit?
If your returns actually support your income, a conventional loan is usually cheaper — and I'll tell you so. Bank statement lending is the tool for when they don't. Also see DSCR loans for pure rental-property deals.
FAQ
Straight answers
Can I really get a mortgage without tax returns?
Yes. Bank statement programs document income from 12 or 24 months of bank deposits instead of tax returns — no returns, no W-2s, no profit-and-loss gymnastics. You'll still need solid credit, reserves, and two years of self-employment history; the loan is fully underwritten, just with different income paperwork.
How much do I need down for a bank statement loan in Miami?
Under current guidelines, well-qualified buyers can put as little as 10% down on a primary residence; most scenarios land between 10% and 20% depending on credit score, loan size, and property type. Second homes and investment properties require more. Every scenario is different — call and I'll price yours.
Do I use personal or business bank statements?
Either works — 12 or 24 months of personal statements or business statements, and multiple accounts can be combined (though personal and business documentation can't be mixed on one loan). Which is stronger depends on how money flows through your business; I review both and pick the better path before we apply.
What credit score do I need?
The program floor is 620 under current guidelines, but the strongest terms — including the lowest down payments — go to higher scores. If your score needs work first, I'll tell you exactly what to fix and we'll time the application right.
Do overdrafts or NSF charges hurt me?
They can — underwriters review the last 12 months of account activity, and unexplained NSF or overdraft activity needs a letter of explanation and can affect approval. Send me your statements before we apply and I'll flag anything that needs addressing first.
¿Hablas español?
Sí — todo el proceso puede hacerse en español, incluyendo el análisis de sus estados de cuenta. Si su negocio produce más de lo que muestran sus taxes, hay un camino para comprar casa.
Get Started
Ready to see what your deposits qualify you for?
Call, text, WhatsApp, or start the secure application — whichever feels easiest. Free consultation, no obligation, no hard credit pull to start.
- Phone(305) 492-2404
- Email[email protected]
- Office4960 SW 72nd Ave Suite 400
Miami, FL 33155 - HoursMon–Fri · 9 AM – 5:30 PM ET