Mortgages for Self-Employed & Investors

Bank Statement & DSCR Loans: Innovative Paths to Homeownership and Investment

Flexible options for entrepreneurs and investors — Bank Statement mortgages (12–24 months statements) and DSCR loans that qualify the property on its cash flow. Documentation and terms vary by program; we’ll guide you to the best fit.

Bank Statement Mortgage

A Bank Statement Mortgage is designed for self-employed borrowers, freelancers, and small business owners who don’t fit traditional W-2 guidelines. Instead of pay stubs, it uses 12–24 months of personal or business bank statements (and, where applicable, a P&L) to document income. Available for owner-occupied and second homes, it offers flexible terms tailored to entrepreneurial cash flow.

DSCR (Investors)

A Debt Service Coverage Ratio (DSCR) loan qualifies based on the property’s cash flow rather than your W-2s or tax returns. If projected or actual rental income covers the mortgage payment and expenses, you may qualify. It’s a streamlined way for investors to purchase or scale rental properties with flexibility and speed.

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