Direct private lending in most states
Call us anytime at 512-617-9400
Apply now
Program 06

Bank Statement / No-Doc in New Braunfels

Bank statement loans built for New Braunfels self-employed investors.

Bank statement and no-doc financing for self-employed investors, business-purpose only. We underwrite on 12 to 24 months of bank statements or on the asset itself, with no W-2s and no tax returns, for loans from $100,000 to $3 million. New Braunfels runs on trades and hospitality: construction and accommodation and food service are two of Comal County's largest private employment sectors, and both carry income that swings hard by season. A twelve to twenty-four month deposit average reads that borrower correctly where two years of tax returns can miss it.

Bank Statement / No-Doc in New Braunfels, TX from USA Mortgage
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%
Apply now

*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.

Open the Bank Statement Income calculator
Local FAQ

Bank Statement / No-Doc in New Braunfels, answered.

Who in New Braunfels actually needs a bank statement loan instead of a conventional one?
Mostly the trades and hospitality workers who run this market. Construction employs 7,549 people in Comal County at a location quotient of 1.88, meaning it is nearly twice as concentrated here as in the national economy, and accommodation and food services employs 9,867 at a 1.44 location quotient. Subcontractors, remodelers, river outfitters and food service operators are the alt-doc borrower profile in this market, and most of them carry a tax return that understates what actually lands in the bank. When one of those owners is buying the real estate their own business operates from, our SBA financing is often the better fit than a bank statement loan.
Why does a bank statement loan fit New Braunfels better than a straight two-year tax return review?
Because this local economy is seasonal, and tax returns flatten that out. Comal County's arts, entertainment and recreation sector, the river tourism and tubing economy, employs 3,217 people in July and only 1,075 in December, a swing of roughly 3.1 times peak to trough. A business owner whose December deposits are a third of July's does not present well on two years of tax returns read in isolation. A 12 to 24 month bank statement average is the honest measure of what that business actually generates.
Does bank statement underwriting work for a self-employed borrower on the Guadalupe County side, around Seguin?
Yes, and the income pattern there is different from the river-tourism side of the metro. Guadalupe County's economy runs on manufacturing, concentrated at a location quotient of 2.41 with an average weekly wage of $1,477, plus transportation and warehousing at a 2.01 location quotient. Small shop owners, equipment operators and trades that supply that industrial base often show 1099 or business income rather than a W-2, which is exactly what bank statement underwriting is built to qualify.
If a self-employed borrower operates in San Marcos instead of New Braunfels proper, does the same seasonal deposit pattern apply?
No, and that distinction matters for how we read the statements. San Marcos sits in Hays County, whose recreation-sector employment holds close to flat all year, 762 to 843 jobs, because its economy runs on Texas State University's academic calendar rather than river tourism. A San Marcos business's deposit pattern should be read against that flatter, term-driven rhythm, not against the sharp July-to-December swing that defines Comal County's tourism corridor.
What credit score do I need for a bank statement loan in New Braunfels?
Scores start at 640 on this program. That is the one place alt-doc underwriting is stricter than an asset-based file. Everything else is looser: no W-2s and no tax returns, just 12 to 24 months of statements. For a Comal County river outfitter whose deposits run roughly 3.1 times higher in July than in December, the deposit average is the honest number and the score is the only conventional-style gate left standing. Subject to underwriting.
How much do I need to put down on a New Braunfels bank statement loan?
From 20% of the purchase. On a $300,000 New Braunfels purchase that is $60,000 from you and up to $240,000 from us (300,000 x 20% = 60,000). A thinner file, or a deposit pattern that swings hard by season, usually means more down rather than a decline. That is the standing trade on this program. Subject to underwriting.
Is there a minimum loan size for a New Braunfels bank statement loan?
Yes. We write from $100,000 to $3 million. Most single doors in this corridor clear the floor without trouble. If your deal comes in under $100,000, the loan size is the constraint, not your documentation, and no amount of deposit history changes that. 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
Browse all guides
Compare

Bank Statement / No-Doc vs. other options

Comparison
Bank Statement Loan vs DSCR Loan
See the comparison
More in New Braunfels

Other programs in New Braunfels

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
All New Braunfels loan programs
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 2026-08-22.

Funding New Braunfels deals fast.

Get real terms, usually same day. No obligation, no hard credit pull to start.

Apply nowTalk to us