Can you get a bank statement loan through an LLC?
It depends on what you're buying. On an investment property, closing in an entity's name is routine in non-QM lending, and a minority of bank-statement programs extend entity vesting to investment-property files — with personal guaranties from the LLC's members standard. On an owner-occupied primary residence, the loan generally closes in your personal name, even when an LLC's bank statements are documenting your income.
Eligibility and the exact documentation — formation papers, operating agreement, guaranties — vary by lender. Choice Home Mortgage shops the panel and will tell you which structure fits your purchase: call owner Esther Buede at (949) 522-7310.
The longer answer.
The occupancy line is the anchor. A primary-residence bank statement loan is a consumer loan underwritten to you as an individual, so it generally closes in your personal name. Your LLC's statements can still do the income work — deposits into the business account document what the business earns — but the entity doesn't take title on an owner-occupied file.
Investment property is a different lane. Entity vesting is a standard feature of business-purpose non-QM lending — DSCR loans close with the LLC as the borrower of record as a matter of routine — and a minority of bank-statement programs extend entity vesting to investment-property files; ask your broker which ones. Either way, expect personal guaranties from the LLC's members as standard, and expect the lender to review the formation documents and operating agreement.
As of 2026 the entity mechanics themselves are entity-generic, not product-specific: the same formation documents, operating-agreement review, title considerations, and California franchise-tax layer apply whether the loan is DSCR or bank-statement. Our DSCR LLC vesting guide (linked below) walks those mechanics step by step — and if your goal is a rental held in an LLC with bank-statement-style income documentation, that's a panel question, not a one-lender question.
A number on a webpage is never a quote for your file. The figures on this page reflect what wholesale lending programs typically offer — and lender guidelines, overlays, and matrices genuinely change all the time. A range that is typical this quarter can move next quarter, and the lender that fits a given scenario best may sit outside every figure here. That churn is not a flaw in the page; it is how wholesale lending works, and it is exactly why a broker who watches the matrices beats any static webpage — including this one. For today's guidelines across the lender panel as they apply to your situation, call owner Esther Buede at (949) 522-7310 — the check costs nothing, and it is the only number that counts.
Related reading: Bank statement mortgage hub · How LLC vesting works on a DSCR loan · Self-employed mortgage — which program fits · Cash-out refinance on a bank statement loan · Start your application
Want the answer for YOUR file, not the general one?
One call with owner Esther Buede — no queue, no pressure. She'll tell you honestly what fits your situation, or that nothing does yet.