Current super-jumbo bank-statement guidelines, updated from one source.
The snapshot below is not typed onto this page — it is pulled from one super-jumbo bank-statement guideline source and refreshed when that source changes, so Marathon, FL always shows the ladder in force.
Program ceiling
Balances run from the program minimum to the ceiling shown, across two programs; the largest bands sit on the bank portfolio program at its bank-statement leverage cap.
Top primary-residence leverage
At the first rung of the ladder a primary residence reaches this ceiling; second homes and investment property carry their own ceilings, and the ceilings fall as the balance climbs (not at every band) — the ladder table shows each one.
Months of bank statements
Twelve or twenty-four months of statements qualify the file; the expense ratio depends on whether the account is personal or business and on the size of the business.
Credit floor
The credit floor for the portfolio program’s lower bands; the bank portfolio program carries its own floor, and above the overlay line a higher floor applies.
Qualifying income is the eligible deposits divided by the statement months, after the ownership share and any expense ratio; total obligations stay inside this cap.
Cash in hand is capped at this figure when the loan is above sixty percent of value; at or below that leverage the proceeds are not capped on the portfolio program.
An interest-only period is available through select programs at its own leverage and credit floor; the bank portfolio program carries a lower interest-only cap.
| Loan size | Primary residence | Second home | Investment |
|---|---|---|---|
| $300,000 – $1M | 90% · 680+ | 85% · 700+ | 85% · 700+ |
| $1M – $1.5M | 85% · 700+ | 80% · 680+ | 80% · 680+ |
| $1.5M – $2M | 85% · 720+ | 80% · 700+ | 80% · 700+ |
| $2M – $2.5M | 80% · 720+ | 80% · 720+ | 80% · 720+ |
| $2.5M – $3M | 80% · 720+ | 75% · 720+ | 75% · 720+ |
| $3M – $3.5M | 75% · 720+ | 65% · 760+ | 60% · 680+ · bank program |
| $3.5M – $4M | 75% · 760+ | 65% · 760+ | 60% · 680+ · bank program |
| $4M – $5M | 65% · 680+ · bank program | 65% · 760+ · case by case | 65% · 760+ · case by case |
| $5M – $6M | 60% · 680+ · bank program | 55% · 680+ · bank program | 55% · 680+ · bank program |
| $6M – $10M | 60% · 680+ · bank program | 55% · 680+ · bank program | 55% · 680+ · bank program |
| $10M – $20M | 55% · 680+ · bank program | 50% · 680+ · bank program | 50% · 680+ · bank program |
| $20M – $30M | 55% · 680+ · bank program | 50% · 680+ · bank program | 50% · 680+ · bank program |
Current super-jumbo bank-statement snapshot · updated September 7, 2026 · portfolio program to $6M, the bank portfolio program alongside it and on to the ceiling · super-jumbo overlays above $3.5M on a primary residence and $3M on a second home or investment property · portfolio-program balances above $4M reviewed case by case before submission · reserves 3–9 months by loan size.
Super jumbo bank statement loans are non-QM consumer mortgage programs arranged through select wholesale lenders, licensed in sixteen states. Leverage, credit floors, reserves, statement methods, and eligibility are read from the current program matrix for the occupancy, loan size and credit tier and are subject to lender program eligibility and full underwriting. Nothing on this page states or implies a rate, a payment, a fee, or a lender; Lendmire is a mortgage broker and never the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
The mechanics in Marathon, FL are the same as any bank-statement loan — eligible deposits divided by the statement months — with one addition: the leverage, the credit floor, the reserves, and the appraisal work all scale with the balance and shift with occupancy.
For a balance inside the standard ceiling, the standard program covers it — see the guide to bank statement loans in Florida. The statewide guide to super jumbo bank statement loans in Florida explains the ladder for every market in the state.
Deposits qualify the loan, not tax returns
In Marathon, FL, the file is built on statements: consecutive, recent, with transfers between the borrower’s own accounts and unusual deposits excluded, and a limit on returned items in the window. The deposits carry the income case.
Leverage is a ladder by occupancy and size
There is no single loan-to-value on this program. A Marathon file is placed by occupancy and loan size, the credit tier selects a cell inside the band, and that cell is the leverage. The ladder table on this page shows the best cell in each band for each occupancy.
Credit, reserves and overlays rise with the balance
Above the overlay line, a Marathon file carries a stricter credit floor, a clean recent housing history, longer seasoning, U.S. citizenship or permanent residency, no non-occupant co-borrowers, and no rural property. Reserves scale with the balance, and cash-out proceeds may not satisfy them.
Two programs, one file
For Marathon, FL borrowers planning a very large balance, the program that carries it is decided by the ladder: the portfolio program through its bands — case by case above its review line — and the bank portfolio program above them. Either way, the deposits qualify the file.
This is the whole test, applied at the leverage the ladder allows for the occupancy and balance. The tool below reads the matrix for your inputs; underwriting decides the real numbers.
Where Marathon’s self-employed high earners buy — and how a lender reads the market.
The stock of high-value homes in Marathon, FL, the share of households at the top of the income distribution, and the share of workers who work for themselves together sketch the market a high-balance bank-statement file is underwritten in.
These are context figures, not underwriting inputs. A large share of high-value homes signals depth of comparables for the appraiser; a large share of top-bracket households signals the deposits that carry a high-balance payment.
Data sources: U.S. Census Bureau — ACS 5-Year (2024) housing and population estimates, including owner-occupied home values by bracket, household income by bracket, and class of worker.
Distinct Marathon submarkets, distinct appraisal stories.
Across Marathon’s waterfront estates, gated communities, and view lots, the same program produces different structures because values, comparables, and property types differ block by block.
Waterfront and first-row homes
First-row property in Marathon prices at the top of the market, and the file follows: the super-jumbo overlays above the line, two appraisals where the balance calls for them, and reserves scaled to the payment the income must carry. Marathon counts a population near 9.9K.
New construction and rebuilds
New luxury construction in Marathon appraises on comparable sales that may be scarce, so the appraisal review is longer and a second opinion is routine at larger balances. Roughly 1,375 Marathon workers — about 27% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Inland estates and acreage
Away from the water in Marathon, larger parcels and outbuildings bring acreage and use questions the appraisal has to answer, with the acreage cap tightening as the balance climbs. Census estimates place about 33% of Marathon’s owner-occupied homes at a value of one million dollars or more — roughly 808 homes.
Second-row and view lots
A row or two back from the water, Marathon homes give up some value and keep most of the lifestyle, which usually produces a cleaner loan-to-value and an easier appraisal at the same balance. Median household income in Marathon sits near $89,355, the middle of a distribution whose top end the program serves.
Luxury condominiums and towers
Tower and resort-building units in Marathon can carry very large balances, and the file turns on the association documents as much as on the statements; a non-warrantable project carries its own cell, a condotel a lower one. The median owner-occupied home value in Marathon runs near $725,800 on the latest Census estimate.
Gated and club communities
Behind the gates in Marathon, buyers pay for amenities and privacy, and the file has to show that the dues fit the ratio and the community’s documents pass review. About 18% of Marathon’s households earn two hundred thousand dollars a year or more — roughly 703 households at the top of the income distribution.
Market context only. The leverage cell for a Marathon file comes from the matrix for its occupancy, loan size and credit tier, never from the submarket.
Four ways Marathon entrepreneurs put super-jumbo bank-statement financing to work.
From a cash-out to a rate-and-term refinance, a relocation, or a primary-residence purchase, super jumbo bank statement loans in Marathon, FL solve a specific set of problems for self-employed buyers.
Take cash out inside the cash-out ladder
A borrower consolidating equity from a Marathon home uses the cash-out path where the ladder allows it, knowing the proceeds cap applies once the leverage passes the program’s cash-out threshold.
Refinance out of a bank or bridge loan
When a high-value Marathon home carries the wrong loan, a rate-and-term super jumbo bank statement refinance restructures it on the statements, at the band’s leverage.
Move with a departing residence
In Marathon, a purchase during a move is underwritten on the same statements, with the departing residence handled by the bank portfolio program’s features.
Buy a primary residence above the standard ceiling
A primary-residence purchase above the standard ceiling in Marathon, FL qualifies on the statements; the equity is sized to the band, and the appraisal work scales with the price.
Size a Marathon bank-statement file before requesting a quote.
Enter the occupancy, a price, an equity percentage, a credit tier, the statements you would use and the deposits they show for a Marathon scenario. The calculator computes qualifying income the way the program does, reads the leverage cell the matrix allows for the occupancy, loan size and credit tier, and shows the housing budget the debt-to-income cap leaves. No rate or payment is shown or implied.
Marathon bank-statement qualifier
Seeded with Marathon’s market figures; every field is editable, and the leverage cell updates as occupancy, balance and credit tier change.
Illustrative starting assumptions: a $1,300,000 price set above Marathon’s median owner-occupied home value to land on the program’s ladder, an equity position sized to the ladder, twelve months of deposits sized to carry a balance of that size, and modest other obligations (U.S. Census Bureau). Every field is editable; no rate or payment is shown.
Illustrative estimate only — not a Loan Estimate, approval, quote, or commitment to lend. No rate, payment, or cost is shown or implied. Qualifying income follows the program’s deposit method for the statements entered; leverage is read from the current program matrix for the occupancy, loan size and credit tier; the appraisal, the statements themselves, reserves, and full underwriting decide the actual figures. Consumer mortgage lending licensed in sixteen states.
Same borrower, three very different files.
The right structure for a Marathon, FL borrower depends on the balance, the occupancy, and whether the deposits, the assets, or the property’s rent should carry the file.
Deposits at scale, a standard bank-statement loan, or the property’s rent.
Deposit-qualified financing for high-value homes: no tax returns, leverage that steps down by band and occupancy, reserves and appraisal work that scale with the balance, interest-only through select programs, and asset-based paths.
For a Marathon, FL home inside the standard ceiling, the standard bank-statement program is usually the simpler file; the super jumbo ladder is for the balance above it. Inside the standard ceiling, Lendmire arranges bank statement loans in Florida.
A super jumbo DSCR loan reads the property’s rent, not the owner’s statements; it is the path when the property is a rental and the rent carries the payment. For a leased rental, see super jumbo DSCR loans in Marathon.
Super jumbo bank statement fits a primary residence, second home or investment property the borrower’s deposits can carry above the standard ceiling; standard bank statement fits the balance inside it; super jumbo DSCR fits a rental whose rent carries the file.
What to prepare for a Marathon scenario review.
A typical starting file for a high-value home.
This is a general preparation guide, not a universal checklist. The selected lender may request additional information based on the loan size, occupancy, the statements, the business, the property, and reserves. Nothing here is legal or tax advice.
Local details that can change the loan.
These are the points a lender reads on a Marathon high-balance file before the leverage cell is confirmed; each one can move the structure.
Use these checks to keep the Marathon file clean and fundable.
Before requesting a quote on a Marathon, FL home, confirm the occupancy ladder, the expense ratio the statements will carry, and the credit tier the best cell requires.
- Know the rung: confirm the band and the credit tier the best cell requires.
- Count the deposits: know the expense ratio the business type carries.
- Count the reserves: do not count cash-out proceeds above the line.
Occupancy and loan size decide the leverage
In Marathon, FL, the same home financed as a primary residence and as a second home sits on two different ladders; the calculator on this page reads the matrix for the exact occupancy, size and credit tier, and the structure is planned from there.
How the deposits are counted
Transfers between the borrower’s own accounts, unusual deposits, and cash not customary to the business are excluded, and returned items are limited inside the window; a Marathon, FL file with clean, consecutive statements and a defensible expense ratio reads cleanly.
Reserves scale with the loan size
Reserves are months of the full payment, stepping up by loan size, plus additional months for each financed property, more for a first-time investor, and more with a non-occupant co-borrower; on a Marathon high-balance file they are a large figure in dollars.
Property type selects its own cell
Warrantable condominiums, non-warrantable condominiums, condotels, two-to-four-unit homes and rural property each carry their own leverage cell on the matrix; acreage is capped, rural property is excluded above a set balance, and a second home is limited to a single unit.
Interest-only and forty-year structures
Where a Marathon, FL borrower wants the lowest payment the ladder allows, an interest-only structure lowers the payment the deposits must carry, at a leverage cap of its own; the portfolio program’s forty-year structure carries a ten-year interest-only window.
From Marathon bank statements to a funded high-balance loan.
Lendmire runs a Marathon high-balance file in a set order: place it on the ladder, count the deposits, appraise it, close it.
Place the balance
Every Marathon file starts with occupancy and band. The equity, the transaction type, and the interest-only question are settled around them.
Count the deposits
Lendmire computes the Marathon file’s qualifying income before the appraisal is ordered, so the balance and the ratio are known, not hoped for.
Appraise and package
The appraisals set the value the ladder is applied to; the Marathon, FL file is packaged in parallel — statements, credit, reserves, property — in the order the lender reads it.
Close and fund
Underwriting confirms the income, the ratio, the leverage cell, reserves, and the property; the Marathon file closes on the terms the ladder allows.
A brokerage built around self-employed borrowers.
High-balance bank-statement lending is where a generalist stumbles: the ladders differ by occupancy and program, the expense methods differ by lender, and the list of wholesale lenders that handle very large self-employed files competently is short.
Ladders, not guesses
Lendmire reads the matrix for a Marathon balance before anything is ordered, so the equity and the structure are planned around the rung the file will actually land on.
The statements, read fairly
Deposits are only income once they are counted the program’s way; Lendmire counts them first, choosing the statement type, the months, and the expense method that read a Marathon business fairly.
The right wholesale program
A Marathon file is matched to the program whose matrix opens the best cell for its occupancy, size and tier — and to the bank portfolio program when the balance calls for it.
Trusted by homeowners & investors alike.
Marathon super jumbo bank statement loan FAQs
General answers for Marathon borrowers weighing a super jumbo bank statement loan; the statements, the appraisal, and underwriting decide every actual figure.
How is leverage decided on a super jumbo bank statement loan in Marathon?
From a matrix: occupancy chooses the ladder, the balance places the file in a band, the credit tier selects a cell inside it, and that cell is the leverage. A primary residence carries the highest leverage in the smallest band; leverage steps down as the balance climbs. The ladder table on this page shows the best cell for each occupancy.
How is my income calculated from bank statements?
Deposits divided by months, after exclusions and the expense ratio. The method chosen for a Marathon file changes the income, which is why Lendmire settles it before the lender sees the statements.
Can I take cash out of a high-value Marathon home?
Inside the cash-out ladder for the occupancy, yes. Leverage steps down by band, and on the portfolio program the proceeds are capped above a set leverage — at or below it the proceeds are not capped. The bank portfolio program publishes no cap of its own, and state home-equity rules apply where they exist.
What credit score does a super jumbo bank statement loan require?
It depends on the balance, the occupancy and the leverage requested. The floor in the snapshot applies at the bottom of the ladder; larger balances and top cells require stronger credit, and a single recent housing late reduces leverage.
What happens in the portfolio program’s largest bands and above them?
A Marathon balance in the portfolio program’s upper bands is read case by case before it is submitted; a balance above the program’s top band is a bank portfolio file, with its own credit floor, its own leverage, its own documentation window, and features the middle-band program does not offer.
How long does a super jumbo bank statement loan take?
There is no fixed number of days; the balance (one appraisal or two), the program (portfolio or bank), and how quickly the statements arrive decide it. Preparation is what keeps a Marathon, FL file moving.
What expense ratio applies to business statements?
The ratio comes from one of the program’s methods for the Marathon business — a fixed ratio set by the business type and headcount, an accountant-attested ratio where the real margin is better, or a profit-and-loss path — and it is the single biggest lever on the qualifying income after the deposits themselves.
Does the program finance investment property?
It does, within the same licensing footprint, on the investment ladder; Lendmire compares it with the rent-qualified path before choosing.
Can I finance a second home this way?
Second homes are eligible on both programs within the sixteen-state licensing footprint, on the second-home ladder and as single units only.
Can I qualify on a profit-and-loss statement instead?
The profit-and-loss path is a narrower door than the statements; it suits a Marathon owner whose books are cleaner than their deposits.
Place your Marathon scenario on the ladder today.
Request a scenario review with the deposits and the occupancy; Lendmire answers with the band, the cell, and the structure that fits.
This guide covers Marathon — for the statewide ladder, overlays, and scenarios, see Super Jumbo Bank Statement Loans in Florida, part of Lendmire’s super jumbo bank statement loan program.
Nearby markets in Florida: Islamorada · Key West · Homestead · Kendall · Doral · Miami · Hialeah · Miami Beach
Other loan programs in Marathon: DSCR Loans in Marathon, FL · Super Jumbo DSCR Loans in Marathon, FL · Short-Term Rental Loans in Marathon, FL · Investment Property Cash-Out Refinance in Marathon, FL · Hard Money Loans in Marathon, FL · Bank Statement Loans in Marathon, FL · Bank Statement HELOC in Marathon, FL · Investment Property HELOC in Marathon, FL