The Amres

12-24 Months Bank Statements


Fill in the gaps with a bank statement loan


The Amres

12-24 Months Bank Statements


The flexibility offered from the 12/24 Month Bank Statement loan provides the opportunity to self-employed borrowers who are looking to purchase a property but do not have the traditional proof of income to obtain the loan they are in need of.

This program is designed for borrowers who are self-employed and would benefit from alternative loan qualification methods. Bank statements (personal and/or business) may be used as an alternative to tax returns to document a self-employed borrower’s income. At least one of the borrowers must be self-employed for at least 2 years (25% or greater ownership) to qualify for this program.

No 4506-C/tax transcripts/Tax Returns (4506-C required for salaried co-borrowers)

The lower of the stated income on the initial 1003 or UW income analysis is used to qualify. This means do not understate the income and if it is lower than the UW calcs, the max they can give you credit for is the amount you have on the 1003.

Standard expense ratio is 50% however certain business can qualify as low as 10% expense ratio and if accompanied by a CPA letter, most scenarios can be calculated under 50% ratio.

See Our Rates

Product Features

Loans up to $4 Million for Primary to 70% LTV
Loans up to $3.5 Million for Secondary to 75% LTV
Loans up to $3.5 Million for Investment to 75% LTV
Purch-R/T up to 90% LTV
Cash Out up to 80% LTV
Maximum DTI 55%

Ready to gain access to our powerful suite of lending programs?

A colorful pattern of circles, half circles, and quarter circles.

Frequently Asked Question

How can I get approved to use your portal?

Our approval process is quick and easy. You can either start by filling out the Become a Partner form here on our website, or you can speak to one of our Account Executives who will provide you with a full application and make sure that you're getting the help you need.

How long does it take to get approved?

48 hours is always our goal. You don't have to wait that long to get loans started though. Get in touch with one of our account executives and they can get your loan into the pipeline while we work on the setup process.

Do I have to be approved before I can start a loan?

No! We can do both at the same time so you don't waste anytime. Begin processing your loan while we work on getting you setup so by the time you are, your loan is already working through the pipeline.