Question 1

How far back do lenders review my bank statements for a Rocklin property?

Accepted Answer

Most programs require 12 or 24 months of consecutive statements. The longer period shows more income stability and can improve your qualifying amount.

Question 2

Can I use business bank statements if I'm an LLC or S-Corp in Rocklin?

Accepted Answer

Yes, business accounts work as long as you document ownership and the funds flow to you. Many lenders prefer seeing both personal and business statements together.

Question 3

What if I have irregular deposits or a few bad months in my statements?

Accepted Answer

Underwriters average your deposits over the full period, so sporadic months get smoothed out. Consistent patterns matter more than perfect month-to-month results.

Question 4

Do bank statement loans work for Rocklin investment properties?

Accepted Answer

Yes, but DSCR loans usually make more sense for pure rentals since they ignore your personal income entirely. Bank statements work better for primary homes.

Question 5

How much income will underwriters calculate from my deposits?

Accepted Answer

Lenders apply expense factors between 50-75% of gross deposits. A 60% factor on $20K monthly deposits gives you $12K qualifying income.

Bank Statement Loans in Rocklin — Income Verification Built for Self-Employed Borrowers