Income Type · Texas
Bank Statement Loan in Texas
Self-employed in Texas with strong deposits but soft tax returns? Bank-statement loans qualify you on cash flow.
Common challenges we solve
- Tax returns understate true income
- Need higher loan amount than DTI allows
- Newer business with limited W-2 history
What you get with Lumos
12 or 24-month statements
Loans up to $5M
Jumbo and non-warrantable condo eligible
Loan programs that typically fit
Frequently asked
- What's the expense ratio?
- Typically 30–50% depending on your business type.
- Can I use personal accounts?
- Yes — or a mix of business and personal.
