If you're self-employed, own a business, or earn 1099 income, you already know the problem: your tax returns are written to lower your taxable income, and a traditional lender uses that same number to decide how much house you can afford. C2C Brokers works with lenders who look at the real picture — your actual deposits — so your income counts the way it should.
Instead of W-2s and tax returns, a bank-statement loan qualifies you using 12 or 24 months of personal or business bank statements. The lender averages your deposits to establish income, applies a reasonable expense factor, and uses that figure to qualify you. It's designed for business owners, freelancers, gig workers, real-estate investors, and commission earners whose tax returns understate what they truly bring in.
Self-employed borrowers, 1099 contractors, small-business owners, consultants, and anyone with strong cash flow but complex tax filings. If you've been turned down by a bank that couldn't make sense of your returns — or told you'd have to wait two more years — there's very often a program that works today.
Expect to provide 12–24 months of bank statements, proof you've been self-employed (a business license or CPA letter), and a credit profile the lender is comfortable with. Down payment and rate depend on the specifics, and because we shop 30+ lenders, we can find the terms that fit rather than forcing you into one bank's box.
No. That's the whole point — these loans qualify you on bank deposits instead of tax returns, which is why they work for self-employed borrowers whose returns understate their income.
Usually 12 or 24 months of personal or business statements. More history can improve your terms; we'll tell you which option qualifies you for the best rate.
Bank-statement loans can carry a slightly higher rate than a fully documented conventional loan, but because we put 30+ lenders in competition, we work to keep the difference as small as possible. For many self-employed buyers it's the difference between qualifying and not.
Yes, and we also offer DSCR programs that qualify on the property's rental income — a strong fit for Florida investors.
Get a fast pre-approval or talk through your options with a licensed broker — no pressure, no hard credit pull to start.