Bank Statement Loans
For self-employed borrowers who may qualify using personal or business bank deposits instead of tax returns.
Bank statement and DSCR loan options
Self employed mortgage loans built around real income.
Denied because your tax returns do not show your true income? SEI Mortgage helps self-employed borrowers and investors explore loan options using bank statements, real cash flow, or rental income instead of traditional W-2 documentation.
Bank Statements
qualify using personal or business bank deposits
DSCR
rental cash flow qualification for investors
No Tax Returns
qualify using your true income, not what's reported on your tax returns
Two paths. One smarter review.
Whether you earn income through your business or you are financing a rental property, SEI Mortgage helps you explore options built around how you actually make money.
DSCR Investor Loans
For real estate investors who want the rental property's income to help drive the loan review.
No Tax Return Focus
These programs are popular because they look beyond what is left after write-offs and review true income strength.
Personalized Review
Your answers help the SEI team understand your situation before the first conversation.
Helpful loan tools
Unlock your qualifying income estimate.
Enter your bank deposits or rental property numbers to see what may be possible. No tax returns, no W-2s, no credit pull. Just answers.
Calculate Your Qualifying Income
Choose the calculator that matches your scenario.
Bank Statement Income Calculator
12-month averageChoose an expense factor
Estimated monthly qualifying income
$0
Based on average deposits minus selected expense factor.
DSCR Calculator
Rental income review
Estimated DSCR
0.00
Enter rent and payment to calculate.
Result will appear here.
Cash-Out Estimate
Equity preview
Estimated cash before costs
$0
Actual amount depends on value, payoff, guidelines, and eligibility.
Bank statement path
Deposits
Personal or business accounts
DSCR path
1.28
Rent vs. payment example
Cash-out path
$97.5k
Estimated equity example
Why these loan options matter.
If traditional mortgage guidelines do not reflect your full financial picture, bank statement and DSCR options may give you another way to be reviewed.
Tax returns do not always tell the full story.
Self-employed borrowers often write off expenses legally, then get penalized by traditional mortgage underwriting.
Investors care about property cash flow.
DSCR financing helps investors focus on rental income, payment, and property performance.
Your situation gets reviewed with context.
Your answers help the SEI team understand whether bank statements, rental income, equity, or another path may make sense.
Questions before borrowers submit.
Here are a few things people often want to know before starting a scenario review.
Do I need tax returns?
Not always. Some programs may review bank statements, P&L income, 1099 income, or rental income instead.
What is DSCR?
DSCR compares rental income to the property payment. It is commonly used by investors buying or refinancing rentals.
Is this an approval?
No. This is a scenario review. All loans are subject to credit approval, underwriting guidelines, and program eligibility.
What happens after I submit?
You will receive a follow-up email with the next step, and the SEI team will review your scenario based on the information you shared.
See which path is the best fit for you.
It takes less than a minute to start. Your answers help SEI Mortgage understand whether bank statement, DSCR, refinance, or another flexible option may fit.