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Dinuba sits in Tulare County's agricultural core. A lot of business owners here run seasonal or cash-heavy operations that don't show well on tax returns.
Bank statement loans exist for exactly this borrower. Your deposits tell the real income story — not your Schedule C after deductions.
12–24 months
Statement History
660 (typical)
Min Credit Score
No
Tax Returns Required
~50% of deposits
Expense Factor (Biz)
Non-QM
Loan Type
Bank Statement Loans in Dinuba
You'll need 12 to 24 months of personal or business bank statements. Lenders average your monthly deposits to calculate qualifying income.
Business account borrowers typically apply a 50% expense factor to deposits. Personal accounts often get the full amount. Credit and reserves matter too.
Bank statement loans are non-QM products. Most retail banks don't offer them. You need a broker with access to wholesale non-QM lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders — including dedicated non-QM shops. That means real options, not one take-it-or-leave-it offer.
The biggest mistake self-employed borrowers make: they apply for a conventional loan first. After rejection, they waste weeks. Start with the right program.
Deposit consistency matters more than high totals. A lender reviewing your statements wants to see stable monthly cash flow — not one big wire and flat months.
If you get 1099s instead of a W-2, a 1099 loan might qualify you at a lower rate. It uses your 1099 income directly — no bank statement averaging needed.
Own investment property? A DSCR loan skips your income entirely. It qualifies based on the property's rent income. Worth comparing if the deal cash flows well.
Tulare County has a dense concentration of ag business owners, farm operators, and independent contractors. Many run profitable operations with low taxable income.
Bank statement loans were practically designed for this borrower profile. If you've been told you don't qualify — get a second opinion from someone who knows non-QM.
Yes. These loans are designed for self-employed borrowers. W-2 employees should use conventional or FHA loans instead.
Yes, but lenders apply an expense factor — often 50%. Personal statements may qualify you for more. We compare both.
Most lenders require 2 years of self-employment history. Some accept 1 year with strong compensating factors.
Yes, non-QM rates run higher than conventional. Rates vary by borrower profile and market conditions.
Most non-QM lenders want 660 or higher. Some programs go lower with larger down payments or more reserves.
Loan limits vary by lender and your qualifying income. Many non-QM lenders go up to $3M or higher on jumbo scenarios.