If you’re self-employed, you already know the punchline:
You make good money… but your tax return looks like you live on ramen and optimism.

That’s not because you’re doing anything wrong. It’s because smart business owners take deductions. Unfortunately, traditional mortgages treat those deductions like a confession.

Enter the bank statement loan — the mortgage program that finally looks at how you actually earn money, not the IRS-edited highlight reel.

So… What Exactly Is a Bank Statement Loan?

A bank statement loan qualifies you based on real cash flow, not taxable income.

Instead of obsessing over W-2s and tax returns, this program looks at:

• 12 to 24 months of bank statements

• Business and/or personal accounts

• Deposits coming in, not deductions going out

Lenders analyze the money hitting your account, average it out over time, apply a reasonable expense factor, and arrive at a usable income number that actually matches your lifestyle.

In other words:

What you earn matters more than what you write off.

Why Traditional Lending Gets Entrepreneurs Wrong

Traditional underwriting assumes income should be neat, predictable, and politely reported.

Entrepreneurs are… none of those things.

If your CPA did their job well:

• Your taxable income looks artificially low

• Your real earning power is invisible to banks

• Your mortgage options suddenly feel insulting

A bank statement loan respects the business reality instead of punishing it.

Who Are Bank Statement Loans Built For?

This isn’t a loophole. It’s a tool — and it’s ideal for people whose income flows differently.

That includes:

• Hair stylists

• Uber & rideshare drivers

• Consultants & coaches

• Restaurant owners

• Realtors

• Contractors

• Any self-employed professional with steady deposits

If your business is real, operating, and growing — this loan was designed with you in mind.

Why This Is The Entrepreneur’s Mortgage

A bank statement loan doesn’t ask you to shrink your life to fit a spreadsheet.

It asks one simple question:

“Is this income consistent, legitimate, and sustainable?”

If the answer is yes, the loan works with you instead of against you.

That’s why so many business owners quietly rely on it — and why it deserves its own reality show.

Why Work With Rich Bonn and Habayit Home Loans?

Bank statement loans are powerful — when structured correctly.

This is where experience matters.

Rich Bonn and Habayit Home Loans specialize in translating entrepreneurial income into mortgage approvals without pressure, hype, or gimmicks.

What that means for you:

• Clear explanation of how your income is calculated

• Realistic guidance (no wishful underwriting)

• Creative but compliant solutions

• A human-first approach that prioritizes trust over transactions

No scare tactics. No false urgency. Just clarity.

Want Your Real Income Calculated — Not the IRS Version?

If you want to see what your bank statements actually qualify you for, the next step is simple:
Have your numbers reviewed by someone who understands them.

Contact Information
Rich Bonn
Habayit Home Loans
📞 281.841.1723
📍 4660 Beechnut St, Ste 225, Houston, TX 77096