Bank Statement Loans

If you are self-employed and your tax write-offs keep getting you denied for a mortgage, a bank statement loan is the answer this book hands you. Lenders count your bank deposits as income instead of your tax returns, so your real earning power finally qualifies you for the home you have earned.

Inside you will get:

• How lenders turn 12 or 24 months of deposits into qualifying income
• The expense-factor math, with worked examples showing a $400,000 deposit base producing $16,667 to $30,000 a month
• How a single CPA letter raises qualifying income by thousands a month
• Credit score tiers, down payment ranges of 10 to 25 percent, and reserve requirements in real dollars
• Personal versus business statement programs, and which one doubles the income for low-overhead owners
• A step-by-step guide to preparing clean statements underwriters approve fast
• How to choose the right non-QM lender and compare offers on total cost
• Investment property tactics, a DSCR loan comparison, and refinancing strategy
• A complete 90-day action plan from your first call to closing

Written for contractors, consultants, freelancers, agents, and every business owner whose income is real but whose tax return says otherwise. Real numbers, sample scenarios, and checklists in every chapter. Part of The Property Playbook Series.