Short answer
How lenders derive qualifying income from your deposits.
Business statements typically use a deposit calculation minus an expense factor. Personal statements are usually taken at face value for deposits.
Personal vs business statements
Business statements typically use a deposit calculation minus an expense factor. Personal statements are usually taken at face value for deposits.
Guardrails
Underwriters exclude transfers, refunds, and one-off deposits. Consistent, monthly business deposits produce the best result.
Key takeaways
- 12 or 24 months of statements.
- Consistency of deposits matters.
Frequently asked questions
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Ready to apply this to a real loan? Review how Self-Employed Programs work in Florida, or estimate your monthly payment before you talk to an advisor.
Sources
Program rules change and individual lender overlays apply. Verify specifics with the agency or with a licensed NexGen Capital advisor before relying on them.
Reviewed by NexGen Capital Corp
Written and reviewed by the licensed mortgage team at NexGen Capital Corp, a Florida mortgage brokerage (NMLS #1766649). Verify our license on NMLS Consumer Access.
Last reviewed: 2026
This article is educational and is not a commitment to lend or an offer of credit. Speak with a licensed NexGen advisor about your own situation.