TrustDeposit by LoanTrust
Bank Statement Loan
Your deposits are your income.
12–24 mo
Statements
No
Tax returns
Self-
Employed
1099
Friendly
No SSN required · No credit impact · Reviewed by Hans Michel, NMLS #2857209
How it works
- ✓Personal or business bank statements document income — no tax returns, no 4506-C.
- ✓Expense-factor or P&L add-back options to maximize qualifying income.
- ✓For investment properties and second homes.
- ✓Combine with DSCR on rent-ready properties for maximum leverage.
Questions investors ask
How is income calculated from bank statements?
Deposits are averaged over 12–24 months; business accounts apply an expense factor (or a CPA-prepared P&L) to derive qualifying income.