Marcus Wright Mortgage
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Self-employed & other income

Bank-statement mortgage

The short answer Some lenders review eligible self-employed income using personal or business bank statements instead of tax returns. Deposits are analyzed for business income, expenses, transfers, and consistency, and the number of months and the calculation vary. It is still a fully documented loan, not a no-paperwork loan.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

  • You are self-employed and your tax returns do not reflect your full cash flow.
  • Your business income flows consistently through personal or business bank accounts.
  • You are open to comparing this route with a traditional full-documentation loan.

Tradeoffs to weigh

  • Not every deposit counts; transfers, loans, and other non-income deposits may be excluded.
  • Business expenses reduce the income used to qualify.
  • Costs can be higher than a traditional loan, so compare the full terms.
  • Requirements and calculation methods differ by lender.

What to have ready

  • How long you have been self-employed and what your business does.
  • Whether business income goes into a business account, a personal account, or both.
  • A rough idea of your typical monthly deposits and business expenses.
  • Your goal: purchase or refinance, and the property type.
  • Don't send statements by email or chat; Marcus sends a secure link when it is time.

Questions people ask

Does every deposit count as income?

No. Transfers, loans, and other non-income deposits may be excluded, and business expenses affect the calculation.

Should I upload statements into chat?

No. Use the secure application and document process instead.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

Start my applicationTalk to Marcus

Related topics

Profit-and-loss (P&L) mortgage 1099-income mortgage Asset-depletion or asset-qualifier mortgage Medical-professional mortgage ITIN mortgage Mortgage with tip income See the loan programs All topics
Marcus Wright
Who you'll work with

You work with me, start to finish.

Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

Check my license on NMLS Consumer Access

I aim to get back to you within a few working hours, often sooner.

Se habla español. Every page and form here works in Spanish.

How it works

  1. 1. Tell me your goalCall, book a time or send a note. No SSN and no credit check to start a conversation.
  2. 2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
  3. 3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.
Contact

Let's talk about your loan.

Call, book a time, or send a quick note. Whatever's easiest.

(682) 403-3406Tap to call Pick a timeBook a call on my calendar Weekend timeSat–Sun, 11 a.m.–7 p.m. Central. I confirm it personally. marcus@qmortgage.aiEmail me anytime

Hours Weekdays 8 a.m.–8 p.m. Central. Weekends 11 a.m.–7 p.m. Central by appointment.

I aim to get back to you within a few working hours, often sooner.

Tell me about your loan