Bank Statement Loans for ADU Financing in California
Self-Employed? You Can Still Fund Your ADU — Without Tax Returns
If you’re self-employed in California and looking to build an ADU, you’ve likely hit a wall with traditional lenders.
Most banks require tax returns that don’t reflect your real income — especially after write-offs.
That’s where Bank Statement Loans come in.
With this program, you can get approved using 12–24 months of business or personal bank statements — no W-2s, no problem.
What Is a Bank Statement Loan?
A Bank Statement Loan allows you to qualify for an ADU loan using your monthly deposits — not your tax returns.
We average your income from your bank statements and use that to calculate your approval amount.
It’s perfect for:
Self-employed homeowners
1099 workers
Small business owners
Gig economy & freelancers
Real estate investors
Why Use a Bank Statement Loan for ADU Financing?
This program is tailor-made for self-employed borrowers with equity.
No tax returns required
Use 12–24 months of bank deposits
Works with personal or business accounts
Can be structured as a HELOC or 2nd Mortgage
Fast approvals — fund in as little as 5 days
It’s the most flexible way to build an ADU if your tax returns don’t tell your real income story.
Who Qualifies?
You may qualify for a Bank Statement Loan if you:
Own a California property (SFR, duplex, triplex, or fourplex)
Have at least 15–20% equity in your home
Are self-employed or 1099
Have 12+ months of consistent bank deposits
💡 Tip: The cleaner and more consistent your deposits, the more you can borrow.
Not sure if you qualify?
Check Your ADU Loan Options →
How Much Can I Borrow?
Loan amounts range from $75,000 to $250,000+, depending on:
Your monthly deposit average
Property value
Credit and equity
We’ll help you calculate this with a soft pull — no obligation, no hit to credit.
Example: Real Self-Employed ADU Projects
Ventura County Contractor
Qualified for $200K using 12 months of business statements. Built a rental ADU in the backyard.
Freelancer in Costa Mesa
Used $95K from a bank statement HELOC to fund her ADU without showing any W-2 or tax returns.
How the Process Works
Apply online (soft credit pull only)
Upload bank statements (12–24 months)
Get approved based on deposits
Sign and fund — money sent in 5 days or less
✔️ No tax returns
✔️ No W-2s
✔️ Self-employed friendly
✔️ Digital, fast, and built for Californians
Not Self-Employed? Explore Other Options
We also offer:
We match the loan to your profile — not the other way around.
FAQs: Bank Statement Loans for ADU Projects
Q: Can I qualify without tax returns?
Yes — that’s the point. We use bank deposits instead.
Q: Personal or business statements?
Either works. We’ll average the deposits and calculate qualifying income.
Q: What if my income varies month to month?
We average over 12–24 months, so fluctuations are okay.
Ready to Fund Your ADU — Without Tax Returns?
We specialize in helping self-employed Californians fund their ADU builds — using flexible, fast loan programs built just for you.