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Suisun City sits in Solano County — one of the Bay Area's more affordable entry points. Self-employed buyers here face the same problem everywhere: tax returns that don't reflect actual income.
Bank statement loans solve that. Instead of tax docs, lenders use 12 to 24 months of deposits to calculate what you actually earn.
640+
Min Credit Score
12–24 Months
Statements Required
10–20%
Down Payment
Up to 50%
Max DTI
Non-QM
Loan Type
Bank Statement Loans in Suisun City
You'll need 12 to 24 months of personal or business bank statements. Lenders average your deposits over that period to set your qualifying income.
Most bank statement programs want a 640+ credit score and 10–20% down. Debt-to-income ratios run looser than conventional — typically up to 50%.
Local decision guide
Use this guide to connect bank statement loans eligibility, lender expectations, and local market factors before comparing payment options in Suisun City.
Suisun City sits in Solano County — one of the Bay Area's more affordable entry points. Self-employed buyers here face the same problem everywhere: tax returns that don't reflect actual income.
Bank statement loans solve that. Instead of tax docs, lenders use 12 to 24 months of deposits to calculate what you actually earn.
You'll need 12 to 24 months of personal or business bank statements. Lenders average your deposits over that period to set your qualifying income.
Retail banks rarely offer bank statement loans. This is a non-QM product — meaning it lives in the wholesale and private lending space.
At SRK CAPITAL, we access 200+ wholesale lenders. That means real competition on rates and terms, not one bank's take-it-or-leave-it offer.
Business owners often write off too much. A restaurant owner netting $40K on taxes but depositing $12K monthly is a strong bank statement borrower.
One thing I flag early: business account statements need a clean deposit pattern. Irregular spikes or large transfers between accounts can create underwriting questions.
If you get 1099s, a 1099 loan may qualify you at a lower rate than a bank statement program. Both are non-QM, but income calculation differs.
DSCR loans skip income entirely — great if you're buying a rental in Suisun City and the rent covers the payment. Bank statement loans are for primary or second home buyers.
Solano County has a mix of small business owners, contractors, and tradespeople — exactly who bank statement loans are built for.
Proximity to Fairfield, Vacaville, and the I-80 corridor means many self-employed buyers shop Suisun City for price. Bank statement loans keep those buyers in the game.
Yes. Personal statements work if your income flows through a personal account. Business statements require an expense factor — typically 50% of deposits count as income.
Yes, rates run higher because these are non-QM products. Rates vary by borrower profile and market conditions.
Most programs require 12 or 24 months. The 24-month option typically gives you a better rate.
Yes — primary residences, second homes, and investment properties are all eligible depending on the lender program.
Lenders average total deposits over the full statement period. Some months can run low — but large unexplained transfers get scrutinized.
Underwriting takes more documentation review. Expect 30–45 days and work with a broker who knows non-QM file prep.