Beyond the Pay Stub: The Power of a Bank Statement Loan with Martini Mortgage Group

Traditional lending doesn’t see your real income — it sees your paperwork. That’s why a Bank Statement Loan can change everything. It looks beyond the pay stub and recognizes the story your bank deposits tell.

At Martini Mortgage Group, led by Certified Mortgage Advisors Kevin Martini and Raleigh Mortgage Broker Logan Martini, we help self-employed borrowers, entrepreneurs, and freelancers qualify using real income flow — not tax-return loopholes. Our fiduciary approach puts clarity first — because you deserve strategy, not guesswork.

What Is a Bank Statement Loan?

A Bank Statement Loan—also known as a Non-QM (Non-Qualified Mortgage)—is designed for borrowers whose income is best verified through 12 or 24 months of bank statements rather than tax returns. Instead of punishing you for business write-offs, this program measures what really matters: your cash flow.

Here’s how it works

• Use personal or business bank statements (12 or 24 months) to calculate qualifying income.
• No W-2s, pay stubs, or tax returns required.
• Loan amounts up to $1.5 million
• For primary homes, second homes, and refinances.
• Flexible credit scores starting at 660 FICO.
• Available to U.S. citizens and permanent residents.

Here’s who it helps

This program is ideal for:

• Self-employed borrowers and small-business owners.
• Freelancers, consultants, and independent contractors.
• Real-estate investors and gig-economy professionals.

Anyone with strong bank deposits but complex tax returns. If you can show steady deposits, you can show strength. The Bank Statement Loan proves your earning power, your way.

The Math Behind the Magic

Income is calculated using your actual bank statement deposits minus a standard expense ratio set by underwriting (usually 15–50 %). This gives a more accurate picture of your cash flow compared to taxable income methods.

Quick Example

If your business earns $25,000/month in gross deposits and your industry expense ratio is 30 %, your qualifying income = $17,500/month.

That means you could qualify for a home you thought was out of reach.

Why Martini Mortgage Group

Many lenders treat Bank Statement Loans as “last resort” options.

We see them as strategic tools for entrepreneurs. Our fiduciary-approach difference:

• We don’t just offer loans—we craft long-term mortgage strategies.
• We focus on the lowest total cost of borrowing, not just the rate.
• Our “Same-As-Cash Mortgage Approval” gives you seller credibility equal to a cash buyer.
• With “Mortgages Under Management,” we monitor your loan for future refi opportunities.

When you work with Kevin Martini and Logan Martini, you’re not just getting approved—you’re getting empowered.

Eligible Properties & Loan Highlights

Eligible Properties

• Single-family homes
• Condos (warrantable only)
• Townhomes
• Up to 4 units (i.e., Duplex, Triplex, Quadplex)
• Maximum 20 acres
• No manufactured homes

Loan Highlights

• Primary Residence
• Secondary homes
• Up to 80 % LTV with qualified credit.
• Cash-out refinances available (up to $1 million cash-out, depending on LTV)
• Minimum 6 months of reserves required.
• Cannot close in the name of a Limted Liability Corporation (LLC)

Bank Statement Loan Programs

At Martini Mortgage Group, our Bank Statement Loan Programs are designed to give self-employed borrowers the flexibility they deserve—without sacrificing clarity or compliance. Whether you’re buying a new home or tapping equity from your current one, the program offers strategic options tailored to your goals.

These program tiers let self-employed borrowers match their real-world income and cash-flow stability to the right financing strategy. Whether you’re purchasing your first home, upgrading, or leveraging equity for growth, Martini Mortgage Group helps you choose the structure that keeps your total cost of borrowing low—while protecting your long-term wealth plan.

Bank Statement Loan Purchase

Occupancy	Units	Minimum FICO	Maximum LTV (%)	Loan Amount Range
Primary Residence	1	660	75 %	$100 K – $1.5 M
Primary Residence	1–4	720	80 %	$100 K – $1.5 M
Primary Residence	1–4	680	75 %	$100 K – $1.5 M
Second Home	1	700	80 %	$100 K – $1 M
Second Home	1	680	75 %	$100 K – $1.5 M

Bank Statement Loan Refinance

Rate & Term Refinance

Occupancy	Units	Minimum FICO	Maximum LTV (%)	Loan Amount Range
Primary Residence	1	660	75 %	$100 K – $1.5 M
Primary Residence	1–4	720	80 %	$100 K – $1.5 M
Primary Residence	1–4	680	75 %	$100 K – $1.5 M
Second Home	1	700	80 %	$100 K – $1 M
Second Home	1	680	75 %	$100 K – $1.5 M

Cash-Out Refinance

Occupancy	Units	Minimum FICO	Maximum LTV (%)	Loan Amount Range
Primary Residence	1	660	70 %	$100 K – $1 M
Primary Residence	1	660	65 %	$100 K – $1.5 M
Primary Residence	1–4	720	80 %	$100 K – $1.5 M
Primary Residence	1–4	680	70 %	$100 K – $1.5 M
Second Home	1	700	75 %	$100 K – $1.5 M
Second Home	1	680	65 %	$100 K – $1.5 M

Meet the Best Bank Statement Lender

Martini Mortgage Group is trusted as the best mortgage lender in North Carolina, helping buyers with clarity and confidence.

Logan Martini

Logan Martini | NMLS 1591485 | Senior Mortgage Strategist | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Logan@MartiniMortgageGroup.com | Equal Housing Lender

Kevin Martini

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Where We Serve

While Martini Mortgage Group is headquartered in Raleigh, North Carolina, our fiduciary-first approach extends far beyond city limits. We proudly serve families and self-employed professionals across:

• All 100 counties of North Carolina
• Florida — helping entrepreneurs and retirees secure second homes and primary residences
• South Carolina — supporting buyers in coastal and metro markets
• Virginia — guiding homeowners with tailored lending strategies
• Indiana — providing alternative mortgage solutions for business owners and investors

Wherever you call home, our mission is the same: to provide clarity, strategy, and certainty through expert Bank Statement Loan guidance.