Bank Statement Loan for Self-Employed
A comprehensive suite of Non-QM loan products including bank statement, DSCR, P&L only, and ITIN options with up to 85% LTV and loan amounts up to $4 million.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- 85%
- Loan amount
- ? - $4,000,000
- Documentation
- alt-doc, dscr-only, p-and-l, 12mo-bank-stmt, 24mo-bank-stmt, full-doc
- States
- most states
Highlights
- •DSCR available for 1-8 unit residential properties
- •True NO Ratio options available
- •ITIN programs available to 85% LTV
- •Cash out up to 85% LTV
- •DSCR up to 85% CLTV
- •90% CLTV cash out available
- •ITIN loans up to 85% LTV
- •Jumbo loans up to $4 million
- •DSCR for 5-8 unit residential properties
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 5/22/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.