Income instrument

Bank Statement Income

The self-employed borrower's tax returns say one thing; their deposits say another. This is the math investors actually use.

AVG MONTHLY DEPOSITS/moACCOUNT TYPEEXPENSE FACTOR50%Standard assumption ≈ 50%. Many investors accept a CPA letter documenting your real ratio.OWNERSHIP%

QUALIFYING MONTHLY INCOME

$19,000

Run the full scenario on the desk — free

The expense factor is negotiable

Most shops default business accounts to a 50% expense factor — but a service business with no inventory might really run at 20–30%. A CPA or licensed tax preparer letter documenting the actual ratio can add thousands per month of qualifying income. Which investors accept it, and at what floor, is a guideline question — exactly what the desk answers.

ENTERING ORBIT…