Instead of tax returns, this path documents income with 12 to 24 months of bank deposits. Built for self-employed borrowers, 1099 earners, and business owners whose earnings are steady but whose tax returns are written down.

This path looks at the property first: the rent it brings in compared with the loan payment and property costs. Your personal income is not the whole story — useful for single rentals and growing portfolios.

We Talk

You tell us your situation in Texas. No commitment.

We Review

We look at your deposits or your property's rental cash flow.

We Match the Program

You get a clear answer on which path fits and what it takes.

Close & Get Keys

We walk with you to closing. Every document explained before you sign.