DSCR loans
Qualify on the rental income the property makes, not your paycheck.
Self-employed borrowers
Bank statement loans in Las Vegas
For self-employed borrowers and others with non-traditional income: qualify using your bank statements instead of pay stubs.
Who it’s for
Who bank statement loans fit
Designed for people who may not have the traditional income documents a conventional mortgage asks for.
Self-employed borrowers
When pay stubs and tax returns don’t show your real earning power.
Business owners
Use your business bank statements to show steady cash flow.
Freelancers and contractors
Project-based income that varies month to month still counts.
Investors
Investment properties are eligible too.
How it works
Key features of a bank statement loan
Instead of W-2s or tax returns, lenders review your bank statements to see your income history and how stable your cash flow is.
Statements as income proof
Personal and/or business bank statements, typically the most recent 12 to 24 months.
Higher DTI may be allowed
Borrowers with significant monthly expenses may still qualify if deposits cover the payment.
Multiple income sources
Self-employment income, rental income, and other income such as alimony, child support, disability benefits or investment income, with proof.
Keep accounts separate
Separate personal and business accounts make your income clear in underwriting.
The trade-offs: requirements can be stricter than a conventional loan, including credit and a larger down payment, and these loans can cost more than conventional loans. We’ll weigh it against other options with you.
Documents
What you may be asked for
Every lender is a little different. These are the documents self-employed borrowers are typically asked for.
Typical documents
- Personal and/or business bank statements
- A copy of your business license
- A year-to-date profit-and-loss statement
- A balance sheet
- Some lenders also ask for personal and business tax returns
Also reviewed
- Your credit. It still matters, even though the focus is on your deposits and expenses.
How Harmony helps
Four clear steps with one team
We review how your income is documented first, so you know early which program fits.
Initial goal analysis consultation
We go over your goals to understand your situation and what you need.
Solution preparation
We take what we learned and build out options for you: rates, closing costs and program structures.
Suggestion presentation
We walk you through what we found. If you like what we propose, we put your loan into process.
Execute
Our team guides you every step of the way to gather the documents and get you to closing.
Take the first step
Honesty, transparency, integrity, education and customer service in every step.
From our team
Self-employed? Start here
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What is a bank statement loan?
A mortgage that lets you qualify using bank statements instead of traditional income documents. It’s designed mainly for self-employed borrowers.
How does it work?
Lenders review 12 to 24 months of bank statements to analyze your income and cash flow, rather than relying on W-2s or tax returns.
How hard is it to get one?
It can be harder than a conventional loan because of stricter requirements, including credit and down payment. It varies by lender.
How much down do I need?
Down payments are often higher than for traditional loans, depending on the lender and your financial situation. A loan officer can go over it with you.
Can I use one for an investment property?
Yes. Investment properties are eligible, with stricter underwriting standards. See also DSCR loans.
Let’s find the right fit for your income
Answer four quick questions. Nothing financial is asked.
See my options for this loan
(702) 934-9625
4300 West Tropicana Ave, Building A, Suites 110-132, Las Vegas, NV 89103
Page last reviewed 2026-11-11.