Bank Statement Mortgages by LTV | Lenders and Loans

95% LTV bank statement loans are for self-employed borrowers who qualify using bank statement cash flow rather than traditional tax-return income documentation. Eligible borrowers may finance up to 95% of the property value, with the remaining 5% down payment permitted from eligible gift funds.

Programs may allow qualification using 12 or 24 months of business bank statements, or personal bank statements with supporting business statements. Income may be calculated using a standard 50% business expense factor, a reasonable CPA-supported expense ratio, or an eligible third-party Profit and Loss statement.

Available programs may include fixed-rate, ARM, and interest-only options, with eligibility based on credit score, loan amount, occupancy, property type, debt-to-income ratio, reserves, housing history, and other underwriting requirements.