Skip to main content
Apply nowApply now
Direct private lending in most states
Call us anytime at 512-617-9400
Program 06
Bank Statement / No-Doc in Denver
Denver bank statement loans, for self-employed income without tax returns.
Built for self-employed investors whose tax returns don't tell the whole story. We qualify on bank-statement cash flow or on the asset itself, with no W-2s and no tax returns, so write-offs and a complex return don't work against a strong borrower. Denver's contractor, trades and aerospace-vendor base built up around Denver International Airport runs heavy on 1099 and business income instead of a W-2. Business-purpose only, and every structure is set in underwriting.
0
tax returns
No-doc
options
Self-employed
friendly
$3M
max loan
Typical figures, subject to underwriting and market conditions. Not a commitment to lend.
How it works
We can underwrite using 12 to 24 months of bank statements, or structure a no-doc loan that leans on the property and your reserves. It fits business owners, 1099 earners, and investors who don't fit a conventional income box.
Who it's for
Self-employed investors
Business and 1099 income
Investors with heavy write-offs
Personal name or LLC
Typical terms
Loan amount$100K to $3M
Income docsBank statements or none
PropertyInvestment / business-purpose
TermShort-term or 30-yr
CreditFrom 640
Down paymentFrom 20%
*Typical terms, subject to underwriting and market conditions.
Run your Bank Statement / No-Doc numbers.
Pressure-test the deal in seconds with our free bank statement income calculator, no sign-up required.
Local FAQ
Bank Statement / No-Doc in Denver, answered.
Who in Denver actually uses a bank statement loan instead of a conventional one?
Contractors, trades and vendors that work off Denver's economic anchors instead of a single employer's W-2. Denver International Airport alone is credited with $47.2 billion of annual economic impact and 244,172 jobs supported across the region, up 40.9% from the prior 2020 study, and it drives the airport-adjacent submarkets, Aurora, Commerce City, Green Valley Ranch, harder than any single employer. Metro Denver also ranks first among the fifty largest US metros for private aerospace employment, more than 30,000 workers across Lockheed Martin Space, Ball, Northrop Grumman, Sierra Space and Buckley Space Force Base, an industry that runs heavy on specialty subcontractors and consultants. Those are exactly the earners whose tax returns understate what they actually bring in. We read 12 to 24 months of bank deposits instead.
I contract or subcontract work tied to Denver International Airport. Does that income count?
Yes, if it shows up in your bank deposits, we can read it. DEN is the state's single largest economic object, supporting an estimated $15.9 billion of payroll region-wide, and it drives the northeast quadrant of the metro, Aurora, Commerce City and Green Valley Ranch, more than any other employer. A lot of that work runs through subcontractors and vendors rather than direct payroll, which is exactly the income a conventional lender's W-2 and tax-return underwriting misses. We qualify on 12 to 24 months of bank-statement cash flow instead, or on the asset itself.
I'm a self-employed real estate agent or investor and my commission income has been lumpy in this market. Will a bank statement loan work with inconsistent deposits?
Yes, that is what this program is built for. Denver is a corrected, high-inventory market right now: 12,813 active listings in July 2026, a median 51 days on market against 16 days back in July 2021, and roughly half of active listings carrying a price cut. A slower, choppier market makes commission timing lumpier for anyone who earns on transactions, which reads as unstable to a conventional two-year-average underwriter. We read your actual 12 to 24 months of deposits instead of smoothing your income into an average that doesn't match how you actually get paid.
I collect short-term rental income from a Denver property I own but don't live in. Can I use those deposits to qualify?
Check the license before you count the income. Denver only issues a short-term rental license to the licensee's primary residence, defined as the place where a person's habitation is fixed and their usual place of return; a property you own but don't personally live in cannot be legally licensed for stays under 30 days inside Denver city limits. If those deposits come from an unlicensed listing, that is a real legal exposure, not just an underwriting question, and we would want to understand the license status before counting the income. Arvada is the one jurisdiction in this metro that lets a non-resident investor hold up to three short-term rental licenses. Talk to your attorney about which jurisdiction your property sits in before assuming the income qualifies as written.
Some of my qualifying income is rent from a long-term rental I hold in Denver. Does the deposit have to come from a licensed rental?
We can read the rent deposits either way, but get the license current first. Every long-term residential rental inside Denver, a property rented 30 days or more at a time, has needed a city rental license since the phase-in deadline of January 1, 2024, and the maximum fine for an unlicensed rental was raised from $999 to $5,000 per violation in late 2025, with the first $5,000 fine issued January 14, 2026. An unlicensed Denver rental is a live liability the day we fund against it, so confirm the license number and inspection date are current before the deposits go into your file. If the qualifying income should really come from the property itself rather than your personal deposits, our DSCR rental loan is built for that instead.
I do consulting or subcontract work in Denver's healthcare or aerospace sector. Does that kind of 1099 income fit this program?
Yes, that is the kind of income this program is built to read. Metro Denver's economy runs on a small number of large anchors rather than one employer: the airport, an aerospace and defense cluster that Metro Denver ranks first in the country for by private employment, and a healthcare cluster built around the Anschutz Medical Campus in Aurora. Specialists, consultants and subcontractors around those anchors routinely get paid in a way a conventional tax-return underwrite doesn't credit. We read 12 to 24 months of your actual bank deposits, or qualify you on the asset itself.
What credit score does a Denver bank statement loan start at?
640. The score is the only conventional-looking part of this file. Income comes from 12 to 24 months of bank deposits, or from the asset itself, with no W-2s and no tax returns. Weaker credit is usually handled with lower leverage rather than a decline, and there is no hard credit pull to start. Subject to underwriting.
How much do I put down on a Denver purchase with a bank statement loan?
From 20%. On a $500,000 Denver investment purchase that is $400,000 from us and $100,000 from you (500,000 x 20% = 100,000). The program is investment and business-purpose only, so it is not for a house you plan to live in, and the term can run short-term or 30-year. Subject to underwriting.
What is the smallest bank statement loan you will write in Denver?
$100K is the floor, and $3M is the ceiling. That covers most of the metro's detached investment stock. Credit starts at 640 and down payment starts at 20%. If the rent, rather than your deposits, should carry the file, our DSCR rental loan is the other route. Subject to underwriting.
More Bank Statement / No-Doc questions, answered on the program page
Resources
Guides for Bank Statement / No-Doc
Rental / DSCR · 5 min read
What Is a DSCR Loan? How Investors Qualify on Rental Income
Read the guide Rental / DSCR · 5 min read
DSCR vs Conventional Loan: Which Is Better for Investment Property?
Read the guide Bank Statement / No-Doc · 5 min read
Bank Statement and No-Doc Loans for Self-Employed Investors
Read the guide Rental / DSCR · 5 min read
How to Finance a Rental Property in an LLC
Read the guide Compare
Bank Statement / No-Doc vs. other options
More in Denver
Other programs in Denver
Fix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moTransactional FundingSame-day double-close capitalConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & permSBA Financing7(a) & 504 placement
About the local figures on this page
Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.
Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-08-15.
Funding Denver deals fast.
Get real terms, usually same day. No obligation, no hard credit pull to start.