Program Highlights

• Fully amortized 5 to 30-year fix rates
• Great for borrowers who miss bank eligibility
• Lite documentation no global underwriting
• Flexible prepayment clause
• Owner occupied properties

Property Types

• Multi-Family Apartments (5+ Units)
• Mixed-Use & Mobile Home Parks
• Commercial: Office, Retail, Warehouse, Industrial, Self-Storage, and Automotive

Our 12 to 24 month bank statement loans are ideal options for self-employed and high net worth individuals who are not able to support their actual income through traditional income tax returns. With our bank statements program we permit the use of 12 and 24 months of personal or business bank statements to qualify for your loan. We focus on the application deposits rather than their income tax returns to prove qualifying income.

Here are the required items to process your loan:
1. Sign RGC Capital loan proposal (LOI)
2. Bank statements 12 or 24 months of (all pages) personal and business
3. Driver’s license & social security card – for each borrower
4. Loan application (business purpose applications click here /
     For residential applications click here )
5. Insurance quote on all properties owned
6. Current mortgage statement on all properties owned
7. If rental – lease(s) 
8. If cash out, letter of explanation
9. Complete entity docs if corporation or LLC