Built for Florida's self-employed: business owners, freelancers, and 1099 earners whose tax write-offs hide their true income. Your deposits tell the real story.
Takes 60 seconds · No credit pull · No obligation
Your write-offs finally stop working against you. We qualify you on gross deposits, not your after-deduction taxable income.
Personal or business bank statements work. The longer the history, the stronger your file — but 12 months can be enough.
Restaurateurs, realtors, contractors, consultants, freelancers — if you run your own show, this program was designed for you.
Financing available well into jumbo territory for Florida's higher-priced markets, with flexible down payment structures.
Tell Ronald about your business and goals — 15 minutes, no documents needed yet.
Send your bank statements. We calculate your qualifying income the way these lenders actually count it.
Your file goes to the lender with the best bank statement program for your situation — then you close.
"I've been working with Ronald for over 10 years — he's an absolute professional. No better lender in the state of Florida!"
"From the moment we spoke, transparency was given throughout the whole process. Two weeks exactly to close!"
Ronald personally reviews every inquiry — expect a call or text the same business day.
By submitting, you agree to be contacted by the Ronald Cepeda Team about your inquiry. We respect your privacy and never sell your information.
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Call or text 305-785-3915
or schedule a call.
A bank statement loan lets self-employed borrowers qualify using 12 to 24 months of bank deposits instead of tax returns, reflecting true cash flow rather than after-deduction income.
Most programs accept 12 or 24 months of personal or business bank statements. More history typically unlocks better terms.
Rates run somewhat higher than conventional loans because documentation is more flexible, but for many self-employed borrowers it's the difference between owning and not owning.
Yes. Business statements are common — lenders apply an expense factor to estimate your personal income from business deposits.