{"id":10896,"date":"2025-09-30T19:37:22","date_gmt":"2025-09-30T19:37:22","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=10896"},"modified":"2025-09-30T19:37:22","modified_gmt":"2025-09-30T19:37:22","slug":"bank-statement-loan-examples-and-use-cases","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/bank-statement-loan-examples-and-use-cases\/","title":{"rendered":"Bank Statement Loan Examples &#038; Use Cases"},"content":{"rendered":"<h2><span style=\"font-weight: 400;\">Who Are Bank Statement Loans for?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/bank-statement-loans\/\"><span style=\"font-weight: 400;\">bank statement loan<\/span><\/a><span style=\"font-weight: 400;\"> is designed for self-employed borrowers who have difficulty providing their income through traditional documentation. These <\/span><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/\"><span style=\"font-weight: 400;\">non-QM loans<\/span><\/a><span style=\"font-weight: 400;\"> offer flexibility that conventional mortgages simply can&#8217;t match.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here&#8217;s who typically benefits from bank statement loans:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Business owners: <\/b><span style=\"font-weight: 400;\">Those who own their own companies and take significant tax deductions that reduce their reported income on tax returns.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Independent contractors: <\/b><span style=\"font-weight: 400;\">Professionals who work for themselves and receive 1099s rather than W-2s from multiple clients or companies.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Freelancers and consultants: <\/b><span style=\"font-weight: 400;\">Creative professionals, writers, designers, and consultants who have irregular income patterns but strong earning potential.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Real estate agents:<\/b><span style=\"font-weight: 400;\"> Agents whose commission-based income can vary from month to month.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Construction contractors: <\/b><span style=\"font-weight: 400;\">Builders, electricians, plumbers, and other trades professionals who run their own businesses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Restaurant owners: <\/b><span style=\"font-weight: 400;\">Food service entrepreneurs whose cash-heavy businesses may not reflect true income on tax documents.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Medical professionals: <\/b><span style=\"font-weight: 400;\">Doctors, dentists, therapists, and other healthcare providers who own their practices and take business deductions.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The key requirement is being self-employed for at least two years, though some lenders may consider shorter business histories with strong financial profiles.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Bank Statement Loan Use Cases<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Let&#8217;s dive into specific bank statement loan use case scenarios. These examples will help you understand how bank statement mortgages work in practice.\u00a0<\/span><\/p>\n<ul style=\"list-style-type: none;\">\n<li style=\"font-weight: 500;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">1. \u201cI&#8217;m self-employed and looking to buy a home but take advantage of a lot of write-offs in order to minimize my tax burden. This means my tax returns aren&#8217;t a great way to show my income. Would a bank statement loan be appropriate in this case?\u201d<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Absolutely. This is the perfect bank statement loan scenario. When you&#8217;re self-employed and taking legitimate business deductions to reduce your tax liability, your tax returns often don&#8217;t reflect your actual cash flow or ability to make mortgage payments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let&#8217;s look at a bank statement loan example: Instead of looking at your adjusted gross income from tax returns, the lender will review 12-24 months of your business or personal bank statements. They calculate your average monthly deposits and use that figure to determine your qualifying income.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For instance, if your tax return shows $60,000 in income after deductions, but your bank statements show consistent monthly deposits of $12,000 ($144,000 annually), the bank statement loan would qualify you based on the higher amount.<\/span><\/p>\n<ul style=\"list-style-type: none;\">\n<li style=\"font-weight: 500;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">2. \u201cI&#8217;m self-employed and interested in buying a home. However, I don&#8217;t qualify for a conventional mortgage due to tax write-offs. In this case, would a bank statement loan or asset-based loan be better?\u201d<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The answer depends on your specific situation and the consistency of your income. Choose a bank statement loan if you have regular, consistent deposits in your business accounts and have been self-employed for at least two years.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At the same time, you might also consider an asset-based loan if your income is highly irregular, you haven&#8217;t been in business very long, or you have significant liquid assets but inconsistent cash flow.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most self-employed borrowers find bank statement loans more favorable because they&#8217;re based on actual business performance rather than just asset value. A <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/bank-statement-loan-calculator\/\"><span style=\"font-weight: 400;\">bank statement loan calculator<\/span><\/a><span style=\"font-weight: 400;\"> can help you estimate your qualifying income based on your deposits.<\/span><\/p>\n<ul style=\"list-style-type: none;\">\n<li style=\"font-weight: 500;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">3. \u201cI&#8217;ve been running the family business for years and am looking to buy a home. The business has been around for 20 years and I&#8217;ve been acting owner for the last 10 years, but I only became the official owner last year once my father officially retired. Could I still qualify for a bank statement loan?\u201d<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Yes, you can still qualify, but you&#8217;ll need to document your role carefully. Lenders understand that family business transitions don&#8217;t always happen on paper immediately.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You&#8217;ll need documentation showing your operational control over the past two years, such as signing authority on business accounts, contracts in your name, or business licenses listing you as the operator. Bank statements should show consistent deposits under your management, not just since the official ownership transfer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This bank statement mortgage example shows why lenders look at substance over form \u2014 they care more about who&#8217;s actually running the business and generating income than just official paperwork dates.<\/span><\/p>\n<ul style=\"list-style-type: none;\">\n<li style=\"font-weight: 500;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">4. \u201cI&#8217;ve been a real estate agent for the past 12 years but in the last few years began flipping houses on the side. If I apply for a bank statement loan, will the lender only count my commission income? Or will the cash deposits made from flipping houses be taken into account as well?\u201d<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Lenders will consider both income sources, which is great news for your qualifying power. Your commission income from real estate sales will be straightforward to verify through your business bank statements.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For house flipping income, lenders will examine the deposits from property sales but may apply different calculations. Since flipping income can be irregular and project-based, they might average it over a longer period or apply a lower percentage to account for the cyclical nature.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To strengthen your application, keep detailed records of your flipping projects, including purchase contracts, renovation receipts, and sale proceeds.<\/span><\/p>\n<ul style=\"list-style-type: none;\">\n<li style=\"font-weight: 500;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">5. \u201cThe pre-approval amount for my bank statement loan was lower than I expected. How is monthly income calculated with bank statement loans? And how could I potentially increase my pre-approval amount?\u201d<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Bank statement loan income calculation typically works by averaging your monthly deposits over 12-24 months. The percentage of deposits that are counted as income depend on whether funds are deposited into a personal or business account. 100% of personal deposits are counted towards income for a bank statement loan, while typically 50% of business deposits are counted.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here&#8217;s how this works: If your average monthly deposits are $10,000, the lender might use 50% of that ($5,000) as your qualifying income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To increase your pre-approval amount, you can:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provide additional months of statements showing higher deposits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Document business expenses separately if they&#8217;re lower than the lender&#8217;s assumed percentage. For example, if you have a business with only 25% in expenses and can provide a CPA letter verifying such you\u2019ll be able to qualify for a higher mortgage loan amount.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Include all business accounts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consider a <\/span><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/self-employed-mortgage\/\"><span style=\"font-weight: 400;\">self-employed mortgage<\/span><\/a><span style=\"font-weight: 400;\"> with additional documentation, like profit and loss statements<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-10898\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/09\/image2-2.jpg\" alt=\"A male and a female small business owner sit in their cafe and consult a tablet while organizing their finances.\" width=\"1999\" height=\"1346\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/09\/image2-2.jpg 1999w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/09\/image2-2-300x202.jpg 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/09\/image2-2-1024x689.jpg 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/09\/image2-2-768x517.jpg 768w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/09\/image2-2-1536x1034.jpg 1536w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\" \/><\/span><\/p>\n<ul style=\"list-style-type: none;\">\n<li style=\"font-weight: 500;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">6. \u201cI&#8217;m self-employed and my spouse has a W-2 job. We want to maximize the loan amount we qualify for, but the write-offs I take significantly reduce eligible income for a conventional loan. If we use a bank statement loan, would it take my spouse&#8217;s W-2 income into consideration?\u201d<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Yes, this is often the ideal scenario for maximizing your loan amount. Most lenders will combine your bank statement income with your spouse&#8217;s W-2 income to calculate your total household qualifying income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your spouse&#8217;s W-2 income gets calculated using standard debt-to-income ratios, while your self-employed income gets calculated using the bank statement method. The lender then adds both income sources together for your total qualifying income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This hybrid approach often results in better loan terms since W-2 income is considered more stable by lenders.<\/span><\/p>\n<ul style=\"list-style-type: none;\">\n<li style=\"font-weight: 500;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">7. \u201cI own half of a company, with the other half owned by a business partner. Can I still qualify for a bank statement loan?\u201d<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Yes, you can still qualify, but you&#8217;ll need additional documentation to verify your ownership percentage and income allocation. You&#8217;ll need partnership agreements that clearly show your 50% ownership stake. The lender will calculate your qualifying income based on your percentage of the business deposits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bank statements should ideally show separate draws or distributions to each partner. If the business mixes all income in shared accounts, you might need your accountant to provide a letter explaining how income is allocated between partners.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Have More Questions About Bank Statement Loans?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Bank statement loans offer incredible flexibility for self-employed borrowers who don&#8217;t fit into the conventional mortgage box. Whether you want to purchase a home,\u00a0 need a <\/span><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/self-employed-refinance\/\"><span style=\"font-weight: 400;\">self-employed refinance<\/span><\/a><span style=\"font-weight: 400;\">, or are exploring a <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/heloans-for-self-employed-homeowners\/\"><span style=\"font-weight: 400;\">self-employed home equity loan<\/span><\/a><span style=\"font-weight: 400;\">, these programs can help you achieve your homeownership goals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At Griffin Funding, we specialize in helping entrepreneurs and business owners navigate the mortgage process. Ready to explore your options? Reach out to connect with our team and explore your options, download the <\/span><a href=\"https:\/\/gold.griffinfunding.com\/pfm\/registration\/invite?key=1c204fd9-839b-4775-aed1-9844766b60a6\"><span style=\"font-weight: 400;\">Griffin Gold app<\/span><\/a><span style=\"font-weight: 400;\"> to compare loan options, or <a href=\"#popmake-6804\">get started online today<\/a>.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Who Are Bank Statement Loans for? A bank statement loan is designed for self-employed borrowers who have difficulty providing their income through traditional documentation. These non-QM loans offer flexibility that conventional mortgages simply can&#8217;t match.\u00a0 Here&#8217;s who typically benefits from bank statement loans:\u00a0 Business owners: Those who own their own companies and take significant tax<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/bank-statement-loan-examples-and-use-cases\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":10897,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[74],"tags":[],"class_list":["post-10896","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-statement-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Bank Statement Loan Examples &amp; Use Cases | Griffin Funding<\/title>\n<meta name=\"description\" content=\"Explore various bank statement loan examples and use cases to get a better idea of whether this type of financing is right for you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/bank-statement-loan-examples-and-use-cases\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank Statement Loan Examples &#038; Use Cases\" \/>\n<meta property=\"og:description\" content=\"Explore various bank statement loan examples and use cases to get a better idea of whether this type of financing is right for you.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/bank-statement-loan-examples-and-use-cases\/\" \/>\n<meta property=\"og:site_name\" content=\"Griffin Funding\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/griffinfunding\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/griffinfunding\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-30T19:37:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/09\/image3-3.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1999\" \/>\n\t<meta property=\"og:image:height\" content=\"1030\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bill Lyons\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/x.com\/griffinfunding\" \/>\n<meta name=\"twitter:site\" content=\"@griffinfunding\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bill Lyons\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/bank-statement-loans\\\/bank-statement-loan-examples-and-use-cases\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/bank-statement-loans\\\/bank-statement-loan-examples-and-use-cases\\\/\"},\"author\":{\"name\":\"Bill Lyons\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#\\\/schema\\\/person\\\/83571cd7f738a7f95cae1a44ad0b7ef1\"},\"headline\":\"Bank Statement Loan Examples &#038; 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