Creator Mortgage Income Calculator
Enter your monthly bank deposits to see what you qualify for. Real bank-statement-loan math, not a generic mortgage calculator. Updates as you type.
1. Your monthly deposits
2. Your loan parameters
3. Your file strength
Your numbers
Estimates only. Actual qualifying depends on bank statement detail, business type (personal vs. business account ratio), credit profile, reserves, and current wholesale lender programs. Property tax, insurance, HOA, and Mello-Roos vary by location — this calculator uses CA defaults. Get a real quote for your specific scenario.
The Math Behind the Numbers
This calculator runs the exact same arithmetic a bank-statement-loan underwriter uses when reviewing your file. Three stages:
Stage 1: Qualifying income. Monthly average deposits × expense ratio. Personal accounts credit ~100% of deposits as qualifying income; business accounts credit ~50–60% to account for business expenses paid from the same account.
Stage 2: Max housing payment. Annual qualifying income × front-end DTI ratio ÷ 12. Most California bank-statement programs allow a front-end ratio (housing payment as % of gross income) of 43–50%. This calculator defaults to 43% which is conservative — your actual approval may go higher.
Stage 3: Max loan and home price. The max housing payment is split between principal & interest (loan amount calc), property tax (~1.1% of home price annually for CA), insurance (~$1,400/yr default), and HOA (assumed $0). Working backward, we solve for the maximum loan amount that fits the housing budget, then add the down-payment money to get the implied max home price.
Too optimistic if: you have significant existing debts (car loan, student loan, child support, etc.) that eat into your back-end DTI. Most non-QM programs cap total DTI at 50%, so high existing debt compresses how much housing you can afford.
Too conservative if: you have additional W-2 income, a co-borrower, or asset-based income to combine. We can usually push qualifying income meaningfully higher by stacking sources.
The only way to get the real number is the actual pre-approval. Takes 30 seconds via the form — no credit pull, no obligation.
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