Texas Stated Income Loans: Bank Statement Programs for Self-Employed Texas Investors
Texas produces more self-employed, high-income borrowers than any state except California — and the state’s specific economic mix creates stated income lending demand across industries that don’t cluster in other markets. The oil and gas industry generates landmen, independent petroleum engineers, geological consultants, and royalty owners whose income is both substantial and structurally irregular. The technology sector in Austin and Dallas creates founders, independent contractors, and consultants with variable compensation structures. The construction industry across all Texas metros employs a massive independent contractor base. And Texas’s restaurant and hospitality economy — one of the largest in the country — produces business owners who need bank statement programs to qualify for investment property financing.
MKK Capital arranges stated income financing for Texas investment properties through our private capital network. Bank statement programs (12 or 24 month), CPA P&L programs, 1099 programs, and asset depletion programs are all available depending on the borrower’s income profile and deal structure.
Texas Stated Income Loan FAQ
I’m a Permian Basin landman with variable income depending on drilling activity. Some years I make $400K, some years $180K. How does the bank statement average work?
24-month bank statement programs average the full two-year deposit history to produce a qualifying income figure. If you earned $400K in year one and $180K in year two, your 24-month average is $290K — and the qualifying income calculation applies an expense ratio to that average. This smoothing effect is one of the primary advantages of 24-month programs for cyclical industries like oil and gas services. Some programs will allow you to use only the most recent 12 months if income is trending upward (i.e., year two was better than year one); others require the full 24-month average. We’ll identify which program structure is most advantageous for your specific income pattern.
I’m an Austin tech consultant paid entirely through W-2 from my own S-corp. Is that W-2 treated differently?
A W-2 from an S-corp you own (where you’re both the employer and employee) is treated differently by some lenders than a W-2 from an arm’s-length employer. Many conventional programs require 2 years of self-employment history and treat the W-2 as self-employment income subject to Schedule C/K-1 analysis. Under stated income programs, the business bank statements of the S-corp are the primary documentation — they show the full cash flow flowing through the entity, not just the salary you’ve chosen to pay yourself. This approach provides a more complete picture of your economic reality than the W-2 alone would suggest.
Submit Your Texas Stated Income Scenario
Share your business type, years self-employed, average monthly deposits or income structure, target Texas city and property type, and loan amount. Permian Basin and energy industry borrowers: note income cyclicality and preferred documentation period. Initial terms within 24–48 hours.