Bank Statements

A loan for self-employed borrowers who qualify utilizing cash flow analysis

FICOs starting at 660

Purchase Money & Rate/Term Refi to 90% LTV

Loan Amounts to $3 Million


  • Cash Out to 80% LTV
  • Declining Markets Allowed
  • First Time Homebuyer (FTHB) Allowed
  • 80% LTV Condos & 2-4 Units
  • Qualify w/ 12 Months Bank Statements: Personal, Commingled, Business
  • Min 25% of Business Ownership
  • 30 Year Fixed
  • 30 & 40 Year Fixed Interest Only
  • Cash Out for Reserves Allowed
  • 1x30x12 Allowed

NonQM Bank Statement Income Calculator

NonQM Bank Statement Calculator

Please complete all fields. Bank Statements can be securely uploaded at the end of the questionnaire. All requests submitted with a complete 12 months of bank statements will be completed within 24 hours.


What is commingled?:

  • A commingled bank account simply means that a borrower runs their life and business out of a single personal bank account.
  • Since they do not separate their personal and professional financial transactions, we must assume that all the business expenses come out of that one account.
  • That is why we treat a commingled bank account the same as a business bank account and use an expense factor to determine the borrower’s true earnings.


  1. At least one applicant must be self-employed to qualify.
  2. Credit Score used for qualifying is the lowest middle for all applicants.
  3. Minimum credit score is 660.
  4. Maximum DTI is 55%. Additional restrictions apply.
  5. If NSF activity, additional restrictions apply. Consult your AE for specifics.