Bank Statement Loan for Self-Employed
A non-QM second mortgage program offering up to 90% CLTV for primary, second home, and investment properties with flexible income documentation options.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- 90%
- Loan amount
- $75,000 - $750,000
- Documentation
- full-doc, 12mo-bank-stmt, 1099-only, wvoe, asset-depletion, dscr-only, 3mo-bank-stmt, alt-doc, 24mo-bank-stmt, p-and-l
- States
- AZ, CA, GA, IL, MA, MO, RI, VA, NJ, AK, AL, AR, CO, CT, DC, DE, FL, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MN, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, WA, WI, WV, WY
Highlights
- •Up to 90% CLTV
- •1 year self-employed allowed
- •Asset utilization for income
- •No reserves required
- •ITIN and DACA eligible
- •DSCR options available
- •Asset utilization can supplement other income
- •DSCR, ITIN, and DACA eligible
- •1-year self-employed income allowed
- •Asset utilization for income qualification
- •1-year self-employed income accepted
- •1 year self-employed accepted
- •Asset utilization available
- •Asset utilization income option
- •DSCR, ITIN, and DACA options available
- •Up to 90% CLTV available
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 9/1/2026. 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.