How Do Bank Statement Loans Work in Round Rock, Texas?

If you’re self-employed in Round Rock…

And your tax returns make it look like you barely make anything…

You’re not alone.

This is one of the biggest frustrations I hear.

Your tax returns don’t tell the full story.

You write things off.

You reduce your taxable income.

That’s smart for taxes.

But it works against you when you try to buy a home.

Instead of using tax returns…

We use your bank statements.

That’s it.

We look at:

👉 12 to 24 months of deposits

To understand:

• Your real income

• Your cash flow

• Your ability to repay

This gives a much clearer picture of your business.

I worked with a business owner in Round Rock.

On paper, their income looked too low.

They were told they couldn’t qualify.

But when we looked at their bank statements…

Their real income told a completely different story.

They were able to move forward.

This works well if you are:

• Self-employed

• Business owner

• 1099 contractor

• Freelancer

Especially if:
👉 You have strong deposits
👉 But low taxable income

• 12, 24 months bank statements

• Consistent deposits

• Decent credit

• Down payment (usually higher than traditional loans)

They think:

“I don’t qualify because my taxes are low.”

That’s only true for traditional loans.

Not this one.

Let’s be real:

• Interest rates can be slightly higher

• Down payment may be higher

But for many business owners…

👉 This is the only way to qualify based on real income

Don’t let your tax strategy block your home purchase.

There’s a different way to qualify.

If you’re self-employed and thinking about buying in Round Rock:

The best thing you can do is:

👉 Look at your bank statements, not just your taxes

If you want to see what you qualify for using bank statements:

Send me “SELF”

I’ll help you:

• Review your deposits

• Estimate your income

• Show you your options

Do I need tax returns?
Not for this program.

How many months of bank statements?
It is usually 12 to 24 months.

Is this only for business owners?
Mainly, but also works for freelancers and 1099 income.

Questions about this? Send me a message or call 512-300-8611, in English or Vietnamese. See also investment property with Ai Tran.

Ai Tran, NMLS #2627075. Loans through Loan Factory, NMLS #320841, in Texas and California only. Equal Housing Lender. Subject to underwriting approval; not all applicants qualify. Disclosures · Texas disclosures. This post was first published on 2026-05-17; market figures are as of that date.