Question 1

Who in Sonoma County actually uses a bank statement loan instead of a conventional one?

Accepted Answer

Investors whose income comes from a business, not a W-2. The wine industry is the county's identity, but it shows up in the employer data as many small operators rather than one anchor employer, alongside food and beverage manufacturers like Amy's Kitchen in Petaluma and Santa Rosa, hospitality businesses, and a wide base of trades and construction operators. That is the income profile a tax return often understates and a bank statement reads accurately.

Question 2

I own a small winery, tasting room, or hospitality business with heavy write-offs. Can I still qualify?

Accepted Answer

Yes, we underwrite what actually moved through your accounts, not your net taxable income. Sonoma County's wine and hospitality sector is built from many small operators, not a handful of large employers, and returns for that kind of business are often structured to minimize taxable income rather than to showcase cash flow. A bank statement loan reads 12 to 24 months of deposits instead of a Schedule C, so a write-off-heavy return doesn't work against a business that is actually cash-flowing.

Question 3

I host a short-term rental in Santa Rosa and report transient occupancy tax on it. Does that lodging income count?

Accepted Answer

It can, as deposit income on your bank statements, the same as any other business revenue. The City of Santa Rosa allows a hosted short-term rental where the owner lives in the unit as a principal residence more than half the year, and that lodging revenue is reported and taxed through the city's Transient Occupancy Tax, not a W-2. If that revenue lands in your bank accounts, it reads like any other self-employed deposit history under this program. It is a narrow path, though: Santa Rosa is no longer accepting new non-hosted rental applications, and unincorporated Sonoma County limits vacation rental permits to one per person and voids them on sale, so this works for an owner-occupant host, not a non-occupant investor counting on rental income to qualify.

Question 4

I'm a contractor or tradesperson doing rebuild work after the county's wildfires. Is that the kind of income this program is built for?

Accepted Answer

Yes, project-based construction income is exactly what a bank statement loan is designed to read. Sonoma County rebuilt for years after the 2017 Tubbs Fire, the 2019 Kincade Fire, and the 2020 Glass Fire, and construction operators are one of the county's standing business categories, most of them earning on 1099 and owner-operator income rather than a payroll W-2. A bank statement loan qualifies on the deposits that income actually generates, so a lumpy, job-by-job construction income history doesn't get read as a weakness.

Question 5

How much do I need to put down on a Santa Rosa bank statement loan?

Accepted Answer

From 20% of the purchase price. On a property near the Santa Rosa median of roughly $815,000 as of mid-2026, that is about $163,000 down and up to $652,000 from us (815,000 x 20% = 163,000). Twenty percent is the floor rather than the expectation: a lumpier deposit history, a thinner reserve position, or a weaker property usually moves the down payment up rather than turning the file down. Subject to underwriting.

Question 6

What credit score and loan size does a Sonoma County bank statement loan need?

Accepted Answer

Credit starts at 640, and we write from $100,000 to $3,000,000. This program reads 12 to 24 months of bank deposits instead of a tax return, so a write-off-heavy file from a small wine, hospitality, food-manufacturing, or construction business doesn't work against you the way it can with a conventional lender. Terms run short-term or 30-year, on investment or business-purpose property, in your personal name or an LLC. Subject to underwriting.

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