Self-employed and getting denied by traditional banks? In this episode, Ryan Marks with SEI Mortgage explains the top 5 reasons to consider a bank statement loan in 2026. Learn how business owners, entrepreneurs, 1099 earners, and real estate investors may qualify using bank statements instead of traditional tax returns.

If you are self-employed, own a business, invest in real estate, or have been told no by a traditional bank because your tax returns do not show your real income, a bank statement loan may be worth exploring.

For more tools, resources, and mortgage education, visit www.seimortgage.com
And if you want to talk through whether a bank statement loan could work for your situation, get in touch with me and the SEI Mortgage team today at:

Visit www.seimortgage.com
or call 1-800-401-1363 to learn more.

00:00 — Why banks say no to self-employed borrowers
00:42 — The real problem with tax return income
02:10 — How bank statement loans actually work
04:05 — Personal vs. business bank statements explained
06:20 — Down payments, rates, and loan structure
08:10 — Who this loan is actually for
09:30 — How to check eligibility with SEI Mortgage

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