This guide is part of my statewide financing library — the plain-English rundown of how each loan type works for Kentucky buyers, from Lexington subdivisions to Gorge cabins and everything between. I’m your agent, not your lender: programs described here come from licensed third-party lenders, and I’ll gladly introduce you to ones who know Kentucky.

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What You Can Use It For

• Self-employed buyers purchasing a primary home, second home, or rental
• Contractors, agents, owner-operators, and 1099 earners with strong deposits and lean tax returns
• Refinancing after years of being told your returns are “too thin”
• Business owners buying owner-occupied or non-owner-occupied property

Why Borrowers Choose It

• Deposits qualify you — no tax returns required
• Personal or business bank statements both work
• Your legitimate tax strategy stops costing you homeownership
• Loan amounts to $5 million cover everything from starter homes to serious property

Program Highlights

• Qualify with bank deposits only (12–24 months of statements)
• Personal or business bank statements accepted
• No tax returns required
• Must be self-employed 2+ years
• Owner-occupied or non-owner-occupied
• SFR, 2–4 units & condo
• Loan amounts from $100K to $5 million (reduced LTV at the top)

Highlights reflect lender program guidelines at the time of writing — programs change, and your terms depend on your full application.

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Built for Kentucky’s Self-Employed

Contractors, cleaners, cabin managers, farmers, haulers — a huge share of eastern Kentucky works for itself, and write-offs that make April painless make mortgage underwriting brutal. Bank statement qualifying reads the deposits instead. As the owner of a trade business myself, I can tell you: this is the program that finally matches how our region actually earns.

Common Questions

How do lenders turn deposits into “income”?

They average qualifying deposits over the statement period, with an expense factor applied for business accounts. Consistent monthly deposits read far better than a few large spikes — if you’re planning a purchase, keep the deposit pattern clean for the year ahead of it.

I’m a contractor like Marcos — is this really built for me?

Exactly for you. Trades, agents, and small-business owners are the core borrower. Two years of self-employment plus healthy deposits is the whole profile.

Assets strong but deposits irregular? See No-DTI loans.

Equal Housing Lender. This is not a commitment to lend or extend credit. Programs, rates, terms, and conditions are subject to change without notice; all applicants are subject to credit and underwriting approval, and not all applicants will qualify. Program details shown reflect available lender guidelines at the time of writing and may differ at application. Consult your accountant about tax matters. The loan programs described on this page are offered by licensed third-party lenders, not by Marcos Gil. Marcos is a licensed Kentucky real estate agent — not a mortgage loan originator — and can introduce you to a licensed loan officer for any program here. Verify any lender or loan officer at NMLS Consumer Access: nmlsconsumeraccess.org.