SELF-EMPLOYED
LOANS.
"Your business is your strength, not a hurdle. We use cash flow and bank statements to prove your buying power—without the tax return stress." — Michael Durr
THE BANK STATEMENT ADVANTAGE
Traditional lenders only see the numbers your CPA wants the IRS to see. We look at your actual liquidity. By reviewing 12 to 24 months of business or personal bank statements, we verify your real-world income to qualify you for the home you deserve.
NO TAX RETURNS NEEDED
Say goodbye to complex 1040s and W-2 requirements. This program is built for entrepreneurs who maximize their business deductions and need an intelligent alternative.
ASSET VERSATILITY
Whether you are buying a primary Texas residence, a vacation home, or expanding your investment portfolio, our self-employed rates remain aggressively competitive.
THE "MIKE DURR" REVIEW
I personally analyze your cash flow trends before submission to the bank. This ensures your file is structured perfectly to pass underwriting on the first attempt, saving you weeks of back-and-forth.
QUALIFICATION
METRICS.
MINIMUM CREDIT PROFILE
While traditional loans are rigid, our bank statement programs are accessible for scores starting as low as 640. Higher scores (720+) unlock the most aggressive LTV and interest rate tiers.
LTV (LOAN-TO-VALUE)
We provide financing up to 90% LTV for many self-employed scenarios. This means you can secure a luxury home with as little as 10% down, preserving your business capital for operations.
12 VS. 24 MONTH REVIEW
Business cycles vary. If your most recent 12 months show stronger growth than the previous year, we can use a 12-month average to maximize your qualified income. For established businesses with steady flow, 24 months offers the lowest possible rates.
THE UNDERWRITING ENGINE
Banks typically assume business owners have high overhead. Mike Durr uses specific Expense Factor Audits to challenge standard assumptions. If your business is service-based (Consulting, Tech, Professional Services), we can often apply a lower expense factor, significantly increasing your buying power compared to retail or manufacturing businesses.
BUSINESS VS. PERSONAL STATEMENTS
We provide path-flexibility. You can use 100% of your deposits from Personal Bank Statements if you have transferred funds regularly from your business. For Business Bank Statements, we apply an industry-standard expense ratio to determine the "qualifying income" for the loan application.
LEGACY
SCALING.
TRANSITION TO DSCR LOANS
Once we secure your primary residence, we help you scale. Our Debt Service Coverage Ratio (DSCR) loans allow business owners to buy unlimited investment properties based solely on the rental income of the property itself—requiring zero personal income verification.
EQUITY OPTIMIZATION
For self-employed clients with existing properties, we analyze cash-out refinance opportunities. Use your "dormant" equity as a down payment for your next acquisition, all while maintaining the same no-tax-return documentation style.
MASTERING THE
ENTREPRENEURIAL LOAN.
"If you've been turned down by a big-box bank because your 'net income' is too low after expenses, you're looking at the wrong loan program. Let's use your gross deposits to win."
UNLOCK YOUR
BUYING POWER.
Join hundreds of Texas business owners who used Michael Durr's architectural approach to secure their legacy.
28
Years Mastery
100%
Transparency