AdaptLend → Guides → Bank statement income calculator
Bank Statement Income Calculator
Tip: average your deposits over 12–24 months; exclude transfers between your own accounts — lenders do.
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How lenders actually do this math
- Personal statements: deposits generally count in full — the assumption is business expenses already came out before you paid yourself.
- Business statements: an expense factor approximates your costs. Many programs default to 50%; a CPA letter documenting a lower real expense rate (say 30%) raises your qualifying income accordingly.
- What gets excluded: transfers between your own accounts, loan proceeds, one-off windfalls. Consistent, explainable deposits are what carry a file.
Full program details — down payments, credit, honest rate expectations — in the bank statement loan guide.