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Los Angeles home
Bank Statement Loans

Self-employed?
Your bank statements
tell the real story.

Use 12–24 months of deposits instead of tax returns. Built for LA business owners who write off aggressively.

Text Derek Apply Now
How It Works

What is a bank statement loan?

A bank statement loan qualifies you based on your actual cash flow — not your tax returns. If you’re self-employed and your write-offs make your taxable income look lower than your real earnings, this is your lane.

1
Provide 12 or 24 months of bank statements
2
We calculate your qualifying income from deposits
3
Close on your LA home
Program Details

Bank statement loan
highlights

Documentation
No Tax Returns Required
Qualify using personal or business bank statements instead of W-2s or tax returns.
  • 12 or 24 month statement options
  • Personal or business accounts
  • Self-employed 2+ years
  • CPA letter may be required
Loan Terms
Flexible Structure
Competitive rates with flexible terms designed for self-employed borrowers in Los Angeles.
  • Up to $3M+ loan amounts
  • Primary, second home, investment
  • Fixed and adjustable rate options
  • Interest-only available
Who It’s For

Ideal for Los Angeles
business owners

Bank statement loans are designed for self-employed borrowers whose tax returns don’t reflect their true earning power.

Business Owners
Entrepreneurs and LLC/S-Corp owners with strong revenue but heavy write-offs.
Freelancers
Independent professionals with consistent deposit history across personal or business accounts.
Gig Economy
Rideshare drivers, content creators, consultants, and other non-traditional earners in LA.
Get Started

Ready to use your bank
statements to qualify?

Text Derek your scenario — business type, approximate income, target home price — and get real numbers back.

Text Derek Start Application →