Bank Statement Loans in Florida for self-employed borrowers
Qualify with 12 or 24 months of bank statements. No tax returns. No W-2s. No guesswork. Built for business owners, freelancers, and entrepreneurs whose tax returns understate what they actually earn — and close in 20 to 30 days.
Bank statement loans in Florida: the numbers that matter.
Everything you need to know before you apply — structured for borrowers who want answers, not sales pitches.
Business owners, 1099 contractors, freelancers, gig workers, real estate investors.
Personal or business bank statements. No tax returns, W-2s, or pay stubs.
Starts at 10% for qualified borrowers. Varies by credit and property type.
From complete application. Non-QM specialists, fewer condition loops.
Single-family, condo, townhome, 2–4 unit. All occupancy types allowed.
Non-qualified mortgage — outside Fannie Mae / Freddie Mac guidelines.
Why self-employed Florida borrowers choose a bank statement loan.
Traditional lenders see your write-offs and say no. We see your deposits and say yes.
No tax returns, no W-2s
Skip the 1040s, schedules, and pay stubs entirely. Your bank statements do the work.
12 or 24 months of statements
Choose the window that shows your business at its strongest. Personal or business accounts both work.
Built for self-employed income
Seasonal, variable, project-based — if your income pattern breaks a conventional spreadsheet, this program was designed for it.
Flexible credit standards
Approvals across a wide credit range. Stronger credit unlocks better rates; lower scores still get you to the table.
Primary, 2nd home, or investment
Same program, three property types — including 2–4 unit multifamily and Florida condos.
Close in 20 to 30 days
Most files close within 30 days of a complete application. You work directly with our team, not a call center.
How does a bank statement loan work?
Three steps. No tax returns. No guesswork.
Submit your bank statements
Send us 12 or 24 months of personal or business bank statements. That's it. No W-2s, no 1099s, no federal tax returns.
We calculate your qualifying income
We analyze your deposits to produce a monthly income figure that reflects what your business actually generates — not what's left after write-offs.
Get approved and close
Lock your rate, clear conditions, and close in 20 to 30 days. Keys in hand, on schedule.
Who qualifies for a bank statement loan?
Bank statement loans are built for self-employed borrowers whose tax returns don't reflect their real income — people who earn well but look poor on paper.
Self-Employed Professionals
Consultants, attorneys, realtors, designers, and anyone running their own book of business.
Small Business Owners
LLC owners, S-corp shareholders, and sole proprietors with an established operation.
1099 Earners & Contractors
Independent contractors paid on a 1099 instead of a W-2.
Gig Economy Workers
Rideshare drivers, delivery partners, creators, and platform-based earners.
Entrepreneurs with Heavy Write-Offs
Owners whose tax returns understate real cash flow by design.
Real Estate Investors
Investors using business deposits or rental income to qualify on an alternative-income program.
Sound familiar? Here's what we solve every week.
These aren't edge cases. They're the rule for Florida's self-employed.
I write off too much to qualify with a traditional lender.
Good tax strategy shouldn't block you from buying a home. We qualify you on deposits, not adjusted gross income — so the deductions that save you money on taxes don't cost you a mortgage.
My tax returns don't reflect what I actually earn.
Almost every self-employed borrower looks poorer on paper than in reality. Bank statements tell the truth your 1040 leaves out.
The bank denied me — even though my business is doing fine.
Big banks run one formula. Bank statement loans run a different one, designed specifically for how self-employed income actually works.
I own more than one business and it's too complicated.
We pull deposits across multiple accounts and reconcile them into one clean qualifying income. The complexity is our job, not yours.
I just started my business — less than two years ago.
Ask us. Some bank statement programs allow a shorter self-employment history than conventional loans require.
Bank statement loan vs conventional loan: what's the difference?
A bank statement loan verifies income using 12 or 24 months of bank deposits, while a conventional loan verifies income using tax returns, W-2s, and pay stubs. Here's the side-by-side.
| Feature | Bank Statement Loan | Conventional Loan |
|---|---|---|
| Income proof | 12 or 24 months of bank statements | Tax returns, W-2s, pay stubs |
| Best for | Self-employed, 1099, gig, investors | W-2 employees with stable salary |
| Minimum down payment | Starts at 10% | Starts at 3% |
| Credit flexibility | 620+ typically required | 620+ typically required |
| Interest rates | Slightly above conventional | Lowest available rates |
| Typical close time | 20–30 days | 20–30 days |
| Tax returns required? | No | Yes (2 years) |
| Primary / 2nd / investment | All three allowed | All three allowed |
| Loan classification | Non-QM | Qualified mortgage (QM) |
| Debt-to-income ratio | More flexible | 50% maximum |
If your tax returns show significantly less than your bank deposits, you've been denied by traditional lenders, or your write-offs make a conventional approval impossible.
If you have steady W-2 income, your tax returns reflect your earnings, and you want the lowest possible rate.
Loan features at a glance.
Flexible terms designed around self-employed realities. Exact figures depend on your profile — the fastest way to see yours is a pre-approval.
An honest look at bank statement loans.
We'll tell you the trade-offs before you apply — not after.
✓ What works in your favor
- Built for non-traditional income. If your earnings don't fit a W-2 box, this program was designed for you.
- More flexible income verification. Deposits replace tax returns, pay stubs, and employer verification.
- Handles fluctuating income. Seasonal, project-based, and variable monthly income are all normal here.
- Substantially less paperwork. No federal tax returns, no P&L reconstruction, no year-end schedules.
- Personal or business accounts. Use whichever one best reflects your real cash flow.
- Works for purchase and refinance. Buy a new home or refinance the one you already own.
⚠ What to watch out for
- Rates run higher than conventional. Because these loans sit outside Fannie/Freddie guidelines, the rate premium is real. We quote yours honestly before you commit.
- Larger down payments are common. Expect more skin in the game than a conventional or FHA loan requires.
- Deposits get a close review. Large unexplained deposits or overdrafts can slow underwriting — we'll walk you through what to clean up first.
- Not the cheapest path if you qualify conventionally. If your tax returns do support a conventional approval, that's almost always a better rate.
A bank statement loan is the right move when your tax returns understate your real earnings and a conventional lender has already told you "no." If that's not you, we'll point you to a better program — we offer 20+ of them.
Get an Honest Assessment →Estimate your bank statement loan payment.
Run the numbers in seconds. No signup. No credit pull. For a personalized quote based on your actual statements, request a pre-approval.
Loan inputs
Based on a $500,000 home · 15% down · 8.25% · 30 yr
For estimate only. Not a commitment to lend. Actual rates, terms, and payments depend on your credit profile, program, property, and market conditions.
Bank statement loans across Florida.
The Doce Mortgage Group closes bank statement loans for self-employed borrowers statewide — from Miami and Fort Lauderdale to Orlando, Tampa, Jacksonville, and the Florida Keys.
— Plus Boca Raton, Naples, Cape Coral, Fort Myers, Clearwater, and the Florida Keys.
What Florida borrowers are saying.
Alex and his team worked hard on making the impossible, possible for me. I was approved and able to close on two separate loans in less than 30 days. I can’t say enough about Alex. He is professional, honest & works with integrity. I felt I was in the best hands every step of the way. I highly recommend Alex Doce & his team.
Working with Alex Doce is a life changing experience! His expertise and attention to detail is second to none. The experience I had with him was nothing short of outstanding. He fights for his clients and made me feel truly valued. Whenever there was a question or concern, he was quick to answer and properly navigate. Alex is personable and compassionate, which is very rare in this industry. Not only did I gain the best broker, but I am happy to call Alex a friend. Alex Doce demonstrates exceptional professionalism and dedication to his clients. I look forward to working with him in the future!
Alex truly is the best in the loan business. We decided to go with him based on reviews and were not disappointed. He is always honest and straight forward with you. He seemingly has all the time in the world to answer your questions and yet we know he’s extremely busy. He went above and beyond for us and we are truly grateful for the support and expertise he provided to us. Thanks to Alex, we were able to buy our first home and could not have done it without him.
Frequently asked questions.
The real answers self-employed Florida borrowers ask before applying.
A bank statement loan is a mortgage that uses 12 or 24 months of personal or business bank statements to verify income instead of tax returns or W-2s. It's built for self-employed borrowers whose tax returns understate their real earnings because of write-offs, deductions, or variable monthly income.
Yes. If you're self-employed, own a business, earn 1099 income, or work in the gig economy, you can qualify for a mortgage using only your bank statements. The Doce Mortgage Group offers bank statement loan programs across Florida that require no tax returns and no W-2s.
Yes. You apply for a bank statement loan by submitting 12 or 24 months of bank statements with a standard mortgage application — no tax returns, W-2s, or pay stubs needed. You can start your application online at any time.
Bank statement loans are for self-employed borrowers, business owners, freelancers, 1099 contractors, gig workers, and real estate investors whose tax returns don't reflect their real income. They're also a strong fit for borrowers who have already been declined by a traditional bank.
Most bank statement loan programs require 12 or 24 consecutive months of statements. You can use personal, business, or a combination of both. The right number depends on your deposit history and which program gives you the strongest approval — we'll recommend the best fit when you apply.
The minimum down payment for a bank statement loan in Florida typically starts at 10% for qualified borrowers. The exact figure depends on your credit profile, the property type, and whether the home is a primary residence, second home, or investment property.
No, you don't need perfect credit — but credit still matters. Bank statement loans accept a wider range of credit profiles than conventional mortgages. Stronger credit unlocks better rates and lower down payments, while lower scores still qualify with adjusted terms.
Yes. You can qualify using personal statements, business statements, or both. When business statements are used, lenders typically apply an expense factor to estimate your net qualifying income. We'll walk you through which option produces the strongest approval for your situation.
Most bank statement loans close within 20 to 30 days of a completed application. Because The Doce Mortgage Group specializes in non-QM programs, we know exactly what each lender needs upfront — which means fewer delays, fewer condition loops, and a smoother closing.
Bank statement loans carry slightly higher interest rates than conventional loans because they serve borrowers outside standard qualification rules. The rate premium is usually smaller than borrowers expect, and for self-employed buyers who can't qualify any other way, the math still works. We'll show you the real numbers before you commit.
Yes. Bank statement loans can be used for both purchase and refinance — including rate-and-term and cash-out refinances. If you originally closed on a conventional loan but your income picture has changed, a bank statement refinance may give you better monthly terms or access to home equity.
Get your quote without tax returns.
No credit pull. No obligation. Backed by 38 years of closing Florida mortgages.
Get your personalized bank statement loan quote.
Tell us a little about your situation. We'll come back with your real options — usually within one business day.