Question 1

Can I use both personal and business bank accounts?

Accepted Answer

Some lenders blend them, others require only business accounts. We route your file to lenders whose underwriting matches your deposit structure.

Question 2

What if my income varies month to month?

Accepted Answer

Lenders average your deposits and apply an expense factor. Seasonal patterns are acceptable if they repeat annually and you can explain the business cycle.

Question 3

Do large one-time deposits hurt my application?

Accepted Answer

Yes, they create underwriting questions. Document any deposits over $5K that aren't normal business income to avoid delays.

Question 4

How much higher are bank statement loan rates?

Accepted Answer

Expect 1-2% above conventional rates. Your credit score and down payment size drive the exact premium. Rates vary by borrower profile and market conditions.

Question 5

Can cryptocurrency holdings help me qualify?

Accepted Answer

As of early 2026, select lenders accept verified crypto as reserves and income. The asset must be held in trackable exchanges with documented value.

Bank Statement Loans in South San Francisco: Income Docs Self-Employed Borrowers Actually Have