A bank statement loan lets self-employed Beverly Hills buyers qualify on 12–24 months of deposits (× ~50% expense factor) instead of tax returns. If your income is earned abroad, a foreign national loan qualifies you without US returns or US credit. Both run to super-jumbo. Full program details.
How a bank statement loan works
Instead of tax returns, the lender reviews 12–24 months of your bank statements, averages the deposits, and applies an expense factor (often ~50%) to estimate qualifying income. It's built for the many Beverly Hills earners — producers, creatives, agency and practice owners, entrepreneurs — whose write-offs make taxable income look far smaller than their real cash flow.
The Beverly Hills twist: the global-income path
Typical terms (2026)
| Feature | Typical |
|---|---|
| Bank statement docs | 12–24 months deposits — no tax returns |
| Foreign national option | Foreign income/assets, no US credit |
| Down payment | ~10–20% domestic · ~25–40% foreign national |
| Income calc | Avg deposits × expense factor (~50%) |
| Loan size | Up to super-jumbo — common here |
| Rate | Above conforming; competitive via portfolio lenders |
Terms vary by lender, profile & residency; illustrative for 2026, not an offer.
Bank statement & foreign national FAQs
What is it?
A non-QM loan qualifying on 12–24 months of deposits, not tax returns.
Income earned abroad?
A foreign national loan fits — no US returns or credit; larger down payment.
Super-jumbo sizes?
Yes — common here via portfolio lenders.
How's income figured?
Averaged deposits × ~50% expense factor (varies by business).
Higher rates?
Somewhat, but competitive at high balances; many refinance. Illustrative.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766), serving Beverly Hills from its Marina del Rey office. Nothing here is tax advice.