the first question would be why are you utilizing bank statements instead of tax returns are you taking major write offs on your income... secondly you will still have to provide tax returns if you're self employed for the last 2 to 3 years depending on the program that you use..... it depends on your situation but the if you're writing off too much a portfolio product is probably the only way to get approved..... while your question is a basis for starting point I would need more information to be able to work out some options and scenarios for you.... Call me directly at 8164123568 I'll be happy to answer any questions I am 50 state certified have been in the industry for 14 years and have specialized in the state of Texas the last 4
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