Turn Deposits into Deals: Mastering Bank Statement Loans (2026)

Yvette Misek of 5th Street Capital breaks down bank statement loans in 2026—how lenders use 12 or 24 months of bank statements and an expense factor to qualify self‑employed borrowers when tax returns don’t tell the full story. She covers program basics (credit scores, LTVs, DTI), common red flags that kill files, a real case study that closed in 22 days, and actionable pro tips to clean statements, document large deposits, and shop lenders for better expense factors. Listen for practical steps to turn tricky, self‑employed files into funded deals and instructions for sending Yvette your own tricky files.