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.

The real problem

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.

The simple solution

Instead of using tax returns…

We use your bank statements.

That’s it.

How it works

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.

Real example

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.

Who this is for

This works well if you are:

• Self-employed

• Business owner

• 1099 contractor

• Freelancer

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

What you typically need

• 12–24 months bank statements

• Consistent deposits

• Decent credit

• Down payment (usually higher than traditional loans)

What most people get wrong

They think:

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

That’s only true for traditional loans.

Not this one.

The trade-offs

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

What I usually tell clients

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

There’s a different way to qualify.

Next step

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

⚡ CTA

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

Ai Tran
Loan Officer in Round Rock, Texas helping self-employed buyers and home buyers
https://www.loanfactory.com/aitran
512-300-8611

Loan Factory | NMLS #320841
Ai Tran | NMLS # 2627075
NMLS Consumer Access

FAQ

Do I need tax returns?
Not for this program.

How many months of bank statements?
Usually 12 to 24 months.

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