Qualify on cash flow, not tax returns
Your cash flow tells the story. We read it.
Bank statement loans let investors qualify based on bank statement analysis — with a 30-year term, up to 80% loan to value, and low or no prepayment penalty options.
- Max loan to value
- 80%
- Max LTV on cash-out
- 75%
- Loan term
- 30 yr
What is a bank statement loan?
Qualify on deposits, not tax returns.
A bank statement loan qualifies you based on analysis of your bank statements rather than traditional income documentation. It's designed for investors whose tax returns don't reflect the full picture of their cash flow — often the self-employed and business owners.
Traditional loans typically rely on
- Tax returns
- W-2s and pay stubs
- Reported taxable income
This program qualifies with
- Bank statement analysis
- 30-year term
- Low or no prepayment penalty options
Who it's for
Made for investors who…
- 1Self-employed investors whose tax returns understate their cash flow
- 2Business owners with income that runs through business accounts
- 3Investors who prefer to qualify on deposits rather than W-2 documentation
Self-employed? Let your statements do the talking.
Purchase financing
Acquire an investment property using bank statement analysis to document income.
Cash-out refinance
Access up to 75% loan to value on a property you already own.
Eligibility
Bank statement loan requirements.
Eligible property types
- Investment properties
Requirements
- Finance up to 80% loan to value, 75% for cash-out
- 30-year term with competitive pricing
- Low or no prepayment penalty options
- Qualify based on bank statement analysis
- For recourse loans, one guarantor and signer with at least 25% ownership of the borrowing entity
- Title insurance is required on all loans
Common reasons submissions are declined
- 1Property is not in a state that we finance, or is in a location an appraiser would consider rural
- 2Property value or purchase price
- 3Credit score
- 4Liquidity
- 5Newer investors taking on extensive rehab projects
A bank statement loan lets you qualify based on analysis of your bank statements rather than traditional income documentation such as tax returns.
Up to 80% loan to value, or up to 75% for a cash-out, subject to underwriting.
A 30-year term, with low or no prepayment penalty options.
Related programs
Other ways to finance the deal.
80% loan to value
Buy & Hold Loans
30-year DSCR rental financing for single-family and multifamily investment properties, with low or no prepayment penalty options.
75% loan to value
Short-Term Rental Loans
Financing for vacation and short-term rental properties listed on Airbnb, VRBO, or similar platforms.
75% loan to value
Bridge Loans
Multi-year interim financing that bridges an acquisition, stabilization, or refinance — with no prepayment penalties.
Ready when you are
Financing that sees the whole picture.
Submit your deal through the AE Capital Partners portal, or speak with our team about qualifying with bank statements.
Prefer to talk? Call 310-810-1374