DSCR vs Bank Statement Loans
Both help self-employed borrowers. They measure different income.
Bank statement loans
Qualify you on deposits into your personal or business bank accounts, usually over 12 to 24 months. They can be used for a primary home.
DSCR loans
Qualify the property on its rent. They're for investment properties only.
Which fits
If you're buying a rental and it cash-flows, DSCR is usually simpler. If you're buying a home to live in, a bank statement loan may be the option.
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