BANK STATEMENT LOANS
Qualify on Deposits.
Skip the Tax Returns.
Up to $5M, 75% LTV, closing in 2–3 weeks. Built for self-employed real estate investors.
If your tax returns make you look broke, this is how you qualify anyway.
12 or 24 Months Statements
Up to 75% LTV
Close in 2–3 Weeks
Most deals are pre-screened within 24 hours. No credit pull, no obligation.
NO TAX RETURNS REQUIRED
SUBMIT YOUR DEAL
Already working on a deal? Don't wait on bank approvals. We'll tell you in 24 hours if it works.
Direct access to multiple non-QM lenders
Closings in as little as 2–3 weeks
Loan sizes from $100K to $5M
NMLS #1855083
Why Bank Statement Loans
12 / 24
Months Statements
You choose. Personal or business statements both qualify.
75%
Maximum LTV
Purchase, rate/term refi, or cash-out — all eligible.
2–3
Week Close
No tax-return underwriting delays. We move at investor speed.
$5M
Maximum Loan
Loan sizes from $100K to $5M+. Small portfolios to institutional deals.
Bank Statement Loan Highlights
| Loan Amount | $100,000 – $5,000,000+ |
| Loan Purpose | Purchase, Cash-Out, Rate/Term Refi |
| Property Types | 1–4 Unit, 5+ Unit, Mixed-Use, Commercial |
| Maximum LTV | Up to 75% |
| Bank Statements | 12 or 24 Months (Personal or Business) |
| Analysis Method | Deposits Analyzed, Not Expenses |
| Credit | No minimum FICO – case-by-case |
| Documentation | Bank Statements & ID |
| Interest Only | Available |
| Closing Time | 2–3 Weeks |
Guidelines subject to change. Contact us for full program details.
How We Underwrite
What Qualifies You
- Total monthly deposits
- Consistent cash flow
- Income trends & trajectory
- Ability to service the loan
What We Ignore
- Tax returns & W-2s
- Business expenses & write-offs
- Schedule C deductions
- Net income on returns
Who This Is For
Buy-and-Hold Investor
Acquiring rental property — qualify on deposits, not tax returns.
Cash-Out for Next Deal
Pull equity from a property you already own to fund the next acquisition.
Portfolio Refinance
Restructure debt across multiple properties on a single bank-statement program.
Self-Employed RE Investor
W-2 not required. Deposits show your cash flow better than your tax returns do.
How It Works
1
Submit Deal
Tell us the address, loan amount, and purpose. 60 seconds.
2
We Review
We pre-screen your scenario against 5 lenders within 24 hours.
3
Get Approved
Term sheet within 3–5 business days.
4
Close
Funded in 2–3 weeks. Start growing your portfolio.
Most deals are pre-screened within 24 hours.
Stop Explaining Your Tax Returns.
Qualify on deposits. Close in weeks, not months.
Ready to Submit Your Deal?
Get pre-screened terms in 24 hours. No credit pull, no obligation.
We provide customized loan solutions for real estate investors, not retail homebuyers. Fast, flexible, and investor-focused.
Contact
- 561-247-4701
- info@AlphaEquityLending.com
- Miami, FL 33180
License & Compliance
NMLS #1855083
Equal Housing Lender