Bank statements
Bank statements
Write-offs can make the tax return look thin. We compare 12 or 24 months of business deposits with a tax-return loan. The program decides what counts.
Complex income.Clear path forward.
My team and I work with business owners, self-employed borrowers and investors whose tax returns don't tell the whole story. Depending on the program, bank statements, 1099s, assets or rental income can show what you actually earn, and we shop many wholesale lenders to find the one that fits.
Adam Styer · NMLS #513013
Many wholesale lenders
Bank statement · 1099 · DSCR
Adam Styer
Senior Loan Officer · NMLS #513013
Who we work with
Business owners, self-employed borrowers, and investors.
Pick the records that look like yours. We'll tell you which program can use them.
Bank statements
1099
1099 income
If you are paid on 1099s, we look at those forms instead of a W-2. What a lender can use depends on the program and the years you have.
Self-employed
Profit and loss
A CPA profit and loss statement can show the year the return has not caught up to. We use it when that program accepts one.
Assets
Asset depletion
When savings, investments, or a business sale are stronger than wages, some programs turn those assets into a monthly income number.
Investors
Rentals and DSCR
For a rental, we can qualify on the rent instead of your tax return. We also ask if the home can sit in an LLC.
A bank said no
Jumbo and non-QM
Jumbo loans are anything above the conforming limit. If a bank turned the file down, we shop non-QM lenders that can use other records.
Also on the desk
K-1 income and one-time-close builds
Straightforward W-2 files can still use conventional, FHA, and VA loans.
How we price your loan
A bank can only sell you its own loan.
My team and I broker loans in Austin. We take your file to many wholesale lenders we already work with, compare the price and the guidelines, and you'll still have my cell.
Self-employed income can use bank statements, 1099s, or a profit and loss statement. A rental is looked at from the rent. We stay on the file from the first call through closing.
About Adam
Hi, I'm Adam. I live here in Austin.
I'm married to Britney Jo, and we're raising three kids. Austin has been home for more than 16 years. I also own rental property, so I've been the borrower, not only the loan officer.
You don't have to name the program before you call. Tell us how you earn and what's been confusing. We'll tell you what the options are, and what we'd do next.
I've been licensed since September 2015, and I've closed more than 1,000 loans. Most people don't need another sales pitch. They need a team that will explain the file and stay with it until it funds.
For I am not ashamed of the gospel, for it is the power of God for salvation to everyone who believes, to the Jew first and also to the Greek. For in it the righteousness of God is revealed from faith for faith, as it is written, "The righteous shall live by faith." Romans 1:16-17 (ESV)
Adam Styer
Senior Loan Officer · NMLS #513013
I put the loan together, go through the income and the assets, pick the wholesale lender, and talk with you and your CPA.
My closing team
Processing support
They track the appraisal, title, and the conditions the lender asks for, from contract to closing.
A few Austin files
Loans a bank turned down.
When a bank says no, the file missed that bank’s box. We look for a lender that can use the deposits, the 1099, or the rent.
Case 01 · Self-Employed
Westlake, Austin
A Westlake purchase after three banks said no
What the bank saw
Depreciation and write-offs made the tax return look thin. The banks counted W-2 wages only and said no.
What I did
I used 24 months of bank statements and qualified on the business deposits.
What happened
Read Full Case Study
The purchase closed on those deposits, not the tax return.
Case 02 · DSCR
Central Austin
Investor whose tax returns didn't show enough income
What the bank saw
Their personal income couldn't qualify on paper.
What we did
We used a DSCR loan, which needs no tax returns and no personal income documents.
What happened
Learn more about DSCR loans
The loan qualified on the property's rent.
Case 03 · Contingency Rescue
Barton Creek
The sale of the house they were leaving fell through.
What the bank saw
The buyers of the old house canceled. The cash they expected, and the plan to drop that payment, went away.
What I did
I used a backup contract on the old house and a second loan for the down payment.
What happened
Read Full Case Study
They wrote the offer without waiting on the old house to sell.
These are based on files I have closed. Names and exact figures are changed. A real file still has to pass underwriting.
Calculators
Run the numbers before you decide.
You can estimate a payment, a rental’s DSCR, or income from assets. The calculators show the assumptions. They are not a rate quote.
Principal and interest
Example onlyEnter a loan amount above zero and an interest rate from 0% to 30%.
Estimated Principal & Interest
$4,741 / month
Principal and interest only. Taxes, insurance, HOA dues, mortgage insurance, and fees are excluded. Example rate is not a quote or an offer to lend.
Add taxes and insurance in the full calculatorReviews
What clients and Realtors wrote.
These are Google and Zillow reviews. We did not write them.
"Adam came highly recommended and he was exceptional to work with! He was incredibly responsive and helpful throughout the entire mortgage process."
Mary Cairnie
Google • 5 Stars
Google • 5 Stars
“I am self-employed and my loan was not straight forward. Adam worked with me weekly and sometimes daily to get all of the documents I needed.”
Sherita Steffe
Google • Self-employed
Google • Self-employed
“I’m self-employed and when other lenders declined to underwrite a mortgage, Adam saved the day!”
Ellery Wren
Google • Non-QM
Google • Non-QM
“He walked us through multiple paths, explained the tradeoffs honestly, and let us make the decision from a place of clarity instead of pressure.”
Chelsea Wise
Google • Options without pressure
Google • Options without pressure
"I've known Adam Styer for the past four years, and he has consistently proven to be one of the most knowledgeable, reliable, and supportive mortgage professionals I've worked with."
Jeanne Miller
Google • Realtor Partner
Google • Realtor Partner
"Adam is awesome - he works to understand your needs, presents multiple and often creative financing options to meet them, and supports you throughout the whole home purchase."
Matthew Latimer
Google • Purchase
Google • Purchase
Send us the situation
Tell us how you get paid.
A business, a 1099, a rental, or a bank that already said no. Send us what you know. We'll tell you which records we need. We don't pull credit unless you decide to apply.
Call or text
(512) 956-6010
Or book a time
15 minutes with Adam ↗
From the blog
A few things we have written.
Notes on rates, bank statements, and non-QM files.
Market Update
Why Are Mortgage Rates Rising—and What Would Make Them Fall?
What the 10-year Treasury has to do with mortgage rates, and why a Fed cut does not automatically lower a 30-year fixed rate.
Advisory Perspective
The Conversation Behind “I Want a Lower Rate”
A buyer asked for 6.0%. The monthly difference was $87. The rate on the ad was not the whole cost of the loan.
Loan Programs
What Is a Non-QM Loan? Why Your Bank Said No and What Actually Qualifies
Non-QM means the lender uses different documents. It does not mean bad credit. We explain bank statement, DSCR, asset depletion, and 1099 loans in Texas.
Questions we get
Questions about non-QM loans in Austin
Yes. If you are self-employed in Austin, we can look at 12 or 24 months of bank statements, a 1099-only program, a P&L your CPA prepares, or assets you already have. These are non-QM loans. Deposits and write-offs are not qualifying income. We match those records to a program that can use them.
A DSCR loan is for a rental. We qualify it on the rent, not your paycheck or tax return. DSCR is the rent divided by the full housing payment: principal, interest, taxes, insurance, and any association dues. We compare the rent with the housing payment, and we ask if the homes can sit in an LLC.
Asset depletion turns money you already have into a monthly income number. We count the accounts the program allows, using that program's own months. We use this when someone has retired, sold a business, or has more saved than a W-2 shows.
If you are self-employed, you get K-1 income, you own rentals, or your savings are stronger than your wages, we look at bank statements, 1099s, a P&L, asset depletion, DSCR, and jumbo loans. A jumbo loan is anything above the conforming limit. A jumbo loan can use those documents too. We compare those programs across many wholesale lenders.
Once your documents are in, we review them and issue a pre-approval letter. How long a bank-statement or DSCR loan takes to close depends on the program, the appraisal, title, and when the documents come in. Send us the situation or call (512) 956-6010.
Adam Styer is based in Austin and originates loans in Texas. Austin-area communities →
We also work with buyers and investors in Dallas and San Antonio.
If you want to read more
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