Are you Self-Employed? For those borrowers that are self-employed that most of their money is tied up in their business bank account, or for those that have non-traditional employment that creates income that is not easily documented through a traditional W-2, we have several loan options for alternative methods of income qualification. For personal bank statements, we offer loan programs that utilize 12-24 months of bank statements to calculate the income based upon the deposits into the bank account over that specific period of time. For business accounts, we offer loan programs that utilize 24 months bank statements to establish income. And, these loan programs offer relaxed FICO requirements down to 580, with maximum loan amounts to $2 Million.