Best Bank Statement Mortgage Programs for Entrepreneurs in SoCal | Valor Lending Group
Buying a home in Southern California as a self-employed borrower doesn’t have to be stressful. From modern condos in Downtown Los Angeles to coastal homes in Newport Beach or San Diego, the right financing can turn your dream into reality. That’s why so many entrepreneurs are turning to Best Bank Statement Mortgage Programs for Entrepreneurs in SoCal, designed to simplify the approval process and get you into your ideal property faster.
These programs let you qualify using your bank statements from the past 12 or 24 months instead of traditional tax returns; perfect for freelancers, business owners, and entrepreneurs who want to bypass paperwork headaches but still secure competitive rates and terms. If conventional financing has felt out of reach, bank statement loans could be the solution that finally gets you into your Southern California home.
Explore how bank statement loans can work for you today.
Call me, Hayden Madison, at 858-349-7538, or email me at hmadison@valorlending.com
Let’s turn your hustle into your keys.
Best Bank Statement Mortgage Programs for Entrepreneurs in SoCal
Living and working in Southern California comes with unmatched opportunity, lifestyle, and sunshine, but for self-employed borrowers, securing a traditional mortgage can feel complicated. That’s why more entrepreneurs, freelancers, and business owners across SoCal are turning to Best Bank Statement Mortgage Programs for Entrepreneurs in SoCal, especially 12- or 24-month bank statement loans designed to simplify approval and get you into your dream home faster.
Whether you’re buying a modern condo in Downtown LA, a coastal home in Newport Beach, or an investment property in San Diego, these loans offer a flexible path to homeownership without the need for W-2s or traditional tax returns.
Why Self-Employed SoCal Entrepreneurs Choose Bank Statement Loans
Unlike traditional mortgages, bank statement loans rely on your actual bank deposits to verify income. That means no stress over deductions or write-offs, lowering your qualifying power just 12 or 24 months of consistent deposits, and you’re well on your way to approval.
In Southern California, where self-employment and small businesses are booming, this loan type is a game-changer. Whether you run a real estate business in Beverly Hills, a startup in Santa Monica, or freelance full-time in San Diego, you can qualify based on your actual cash flow, not outdated paperwork.
What Makes the Best Bank Statement Mortgage Programs for Entrepreneurs in SoCal
These programs are built specifically to support the modern entrepreneur. Here’s what you can expect:
- Qualify using 12- or 24-month bank statements instead of tax returns
- No W-2s, pay stubs, or traditional income verification required
- Loan amounts up to $30MM
- Perfect for primary residences, second homes, or investment properties
- Competitive rates with flexible terms
- Available for both personal and business accounts
Valor Lending Group specializes in self-employed SoCal borrowers and understands the local market. I can help you navigate city zoning in Los Angeles, vacation rental regulations in Orange County, or multi-unit property rules in San Diego, all with a loan designed to match your financial reality.
Who Can Benefit from a Bank Statement Loan in SoCal
Bank statement loans are ideal for:
- Realtors, brokers, and property managers
- Contractors, builders, and home service entrepreneurs
- Online business owners, creatives, and influencers
- Consultants, physicians, and independent professionals
- Airbnb or vacation rental investors
- Anyone with strong cash flow but limited traditional documentation
If banks have told you no, a bank statement loan in SoCal could be the solution that finally says YES!
Call me, Hayden Madison, today at 858-349-7538.
Let’s prove self-employed income pays off.
Why Southern California Is Perfect for Self-Employed Homebuyers
From urban lofts in Downtown LA to beachside homes in Malibu and luxury townhomes in Newport Beach, Southern California offers something for every lifestyle. Property values continue to rise, and demand is high, making this the perfect time to secure your home or investment.
With Best Bank Statement Mortgage Programs for Entrepreneurs in SoCal, you can have both financial freedom and the perfect property in a prime location. These loans let you leverage your actual earnings to get the home you’ve been working toward, all without the headaches of traditional financing.
If you’re self-employed and ready to take the next step toward owning property in Southern California, a 12- or 24-month bank statement loan might be the perfect fit. At Valor Lending Group, I specialize in helping entrepreneurs like you qualify quickly with a process that respects your time, your hustle, and your goals.
Call me, Hayden Madison, directly today at 858-349-7538, or email me at hmadison@valorlending.com.
Let’s get you home in SoCal today.
VALOR LENDING GROUP OFFERS EVERY MORTGAGE LOAN IN THE BOOK!
At Valor Lending Group, I’m ready to help you achieve your investment goals.
Call me, Hayden Madison, directly at 858-349-7538, and turn your dreams into reality today!
Recently Funded | Valor Lending Group
$1,044,550 Loan amount | Private Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 Loan amount | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 Loan amount | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 Loan amount | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 Loan amount | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV
$4,013,750 Loan amount | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV| Seattle, WA
And many more.
Every Project, Every Loan – Let’s Build Your Success Together!
Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com
Recap of Our Loan Products:
- Private Money Loans (20% down / minimal documentation) typically, funds in 7-10 days
- Stated Income Loans (Great for business owners and self-employed) No tax returns!
- 100% financing is available (we can cross-collateralize other properties if there is enough equity)
- Valor VA Home Loan 100% financing up to $2.5MM
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5MM
- Raw Land & Lot Loans
- Ground-up Construction for spec homes, custom homes, and commercial ground-up.
- Farms, Vineyards, Ranches, and Agricultural Properties (25-30% down)
- 10% down, Jumbo’s up to $1.5MM
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500MM
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
We Also Offer:
- 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
- High Balance Conforming, aka Super Conforming
- Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
- FHA, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance, including Cash Out
**Rates and terms are subject to change without notice
