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San Juan Bautista sits in San Benito County — a small, tight market where self-employed buyers often compete with W-2 earners.
Bank statement loans let you qualify on actual cash flow, not what your tax return shows after deductions.
660 (typical)
Min Credit Score
12–24 months
Statements Required
10–20% typical
Down Payment
Non-QM
Loan Type
Bank Statement Loans in San Juan Bautista
You'll need 12 to 24 months of personal or business bank statements. Lenders average your deposits to calculate income.
Most lenders want a 660+ credit score and 10–20% down. Stronger credit means better pricing.
Local decision guide
Use this guide to connect bank statement loans eligibility, lender expectations, and local market factors before comparing payment options in San Juan Bautista.
San Juan Bautista sits in San Benito County — a small, tight market where self-employed buyers often compete with W-2 earners.
Bank statement loans let you qualify on actual cash flow, not what your tax return shows after deductions.
You'll need 12 to 24 months of personal or business bank statements. Lenders average your deposits to calculate income.
Bank statement loans are non-QM products. Most retail banks don't offer them — you need a broker or specialty lender.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in non-QM programs for self-employed borrowers.
The biggest mistake I see: borrowers mixing personal and business deposits across accounts. Keep them clean before applying.
Expense ratio matters too. Lenders apply a factor — often 50% for business accounts — to calculate qualifying income.
A 1099 loan works if your income is reported on 1099s. Bank statement loans work even when income isn't reported that way.
DSCR loans are better for pure investment properties. Bank statement loans are the move for owner-occupied and second homes.
San Juan Bautista has a strong small-business and agriculture presence. Many local earners write off heavily — killing their tax income.
That write-off strategy is smart for taxes. But it makes conventional loans nearly impossible. Bank statement loans solve that.
Yes, but lenders apply an expense ratio — often 50%. Personal statements usually produce a higher qualifying income.
Most lenders require at least 2 years of self-employment history. Some accept 1 year with strong compensating factors.
Lenders total your deposits over 12 or 24 months, then divide by that period. Business accounts are further reduced by an expense factor.
Yes, typically higher than conventional rates. Rates vary by borrower profile and market conditions — shop across lenders.
Yes. Bank statement loans work for primary homes, second homes, and investment properties.