Income shown by deposits
Bank Statement Loans for Real Estate Investors
Bank statement loans review the money flowing into your accounts instead of your tax returns. We broker business purpose loans of this kind for borrowers in many states.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM
01 / Understand the loan
What to Know About Bank Statement Loans
What do your deposits show?
Many self-employed owners write off costs that lower the income on their tax returns. A bank statement loan looks at your deposits over a period of months to estimate what you really earn.
Lenders set their own rules for how many months of statements they want and how they count deposits. We help you compare programs so you can see what fits your records.
02 / See how it fits
Who It Helps
- Self-employed owners and independent contractors
- Business owners with large tax write-offs
- Investors who also run a company
- Borrowers with steady deposits but low taxable income
What to Have Ready
Requirements differ by lender and program. These items often come up:
- A completed loan application and credit authorization
- Several months of personal or business bank statements
- Proof that your business is active
- Photo ID and entity papers where they apply
- Proof of funds for reserves and down payment
03 / Wherever your deal is
Bank Statement Loans in Many States
We work with investors by phone and video, so you can book a call from wherever your property is. We can broker business purpose loans in the states below. Programs, terms, and availability depend on the lender and the state.
- Alabama
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Hawaii
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Nebraska
- New Hampshire
- New Mexico
- New York
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- Texas
- Vermont
- Washington
- West Virginia
- Wisconsin
- Wyoming
Investing in Los Angeles? See Bank Statement Loans in Los Angeles or see where we work.
04 / A little clarity
Common Questions
How many months of statements are needed?
It varies by lender and program. We will tell you the requirement for the program that fits you.
Personal or business statements?
Some programs accept either. Which one works best depends on how your money moves through your accounts.
Can I use one to buy investment property?
Some programs allow it. Tell us your plan and we will point you to the right one.
Do these loans cost more than a bank loan?
They often do, since the lender is using a different way to confirm income. We compare lenders to help you find a fair option.
05 / Explore your options
Other Investor Loans
Know Who You’re Working With
The Funding Clinic is a mortgage broker. We arrange loans funded by third-party lenders. View our BBB business profile to learn more about our company. Read our Google reviews
Your next move starts here
Ready to talk about your deal?
Tell us about your deal. We will help you find the right loan.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM