{"specialty":{"slug":"bank-statement","category":"loan_program","label":"Bank statement loan","description":"A non-QM loan that qualifies income from 12 or 24 months of bank deposits instead of tax returns.","synonyms":["bank statement","bank statement loan","12 month bank statement","24 month bank statement","no tax return"],"why_hard":"Expense factors and deposit analysis vary, so the same statements can qualify for very different amounts.","questions_to_ask":["Do you use personal or business statements, and what expense factor?","How do you treat large or irregular deposits?","How does pricing compare with a full documentation loan?"],"canonical_url":"https://lendb.ai/s/bank-statement","api_url":"https://lendb.ai/api/v1/specialties/bank-statement"}}