Current super-jumbo bank-statement guidelines, updated from one source.
The current program figures below are hydrated from Lendmire’s super-jumbo bank-statement standards source at each visit, so the ladder shown for Sunrise, FL is 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
The headline leverage belongs to a primary residence at the smallest balances the program accepts; the ladder table below shows what each occupancy and band allows.
Months of bank statements
Statements are the income document: deposits divided by the statement months, after the ownership share and the expense ratio. Tax returns are not requested for qualifying.
Credit floor
The minimum credit score for the ladder’s bottom rung; the credit required for a given leverage rises with the loan size and with the occupancy.
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.
This page describes a consumer mortgage program at the program level. The leverage cell for any file comes from the current matrix for its occupancy, loan size and credit tier; the statements, the appraisal, reserves, and full underwriting decide the actual terms, subject to lender program eligibility. Nothing here is a rate, a quote, a fee, or a commitment to lend, and Lendmire is never the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
The mechanics in Sunrise, 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
A super jumbo bank statement loan in Sunrise, FL is underwritten on twelve or twenty-four months of statements: eligible deposits divided by the months, after the ownership share and any expense ratio. Tax returns are not part of the qualification.
Leverage is a ladder by occupancy and size
The ladder is the program: as a Sunrise, FL balance climbs from one band to the next, leverage steps down and the credit required for the top cell rises. Planning the equity around the band is the first structural decision.
Credit, reserves and overlays rise with the balance
The program reads credit twice for a Sunrise file: once against the floor for the band, and once against the floor for the leverage cell requested. A single recent housing late reduces leverage; a credit event inside the seasoning window reduces it further.
Two programs, one file
For Sunrise, 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.
Enter the occupancy, a price, an equity percentage, a credit tier, the statements you would use and the deposits they show; the calculator computes the income the program’s way and reads the leverage cell for the balance.
Where Sunrise’s self-employed high earners buy — and how a lender reads the market.
Market data for Sunrise, FL frame the question every super jumbo bank statement file answers: at this value, do the deposits carry the payment at the leverage the ladder allows?
Read the figures as backdrop. 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 Sunrise submarkets, distinct appraisal stories.
The metropolitan luxury market around Sunrise splits into distinct pockets; a lender underwrites the home in front of it, but the pocket sets the expectations.
Historic and estate districts
In Sunrise’s older estate districts, renovation quality and systems drive the valuation, and a lender reads the appraisal’s condition notes before applying the ladder. Census estimates place about 1.1% of Sunrise’s owner-occupied homes at a value of one million dollars or more — roughly 265 homes.
Luxury townhomes and two-to-four-unit homes
Luxury townhome rows and owner-occupied two-to-four-unit homes in Sunrise are underwritten on the same deposits, with a unit-count leverage cell and, on multi-unit property, the appraisal’s rent schedule read as context. Sunrise counts a population near 98K within the Miami-Fort Lauderdale-West Palm Beach, FL area.
High-rise and full-service residences
High-rise units in Sunrise can carry very large balances, and the association package — reserves, rental rules, hotel-style operations — is underwritten as carefully as the statements. The median owner-occupied home value in Sunrise runs near $354,500 on the latest Census estimate.
New luxury construction
Where Sunrise is adding new estates and towers, the value case rests on recent closed sales of similar product, and the lender applies the ladder only once those support the number. Roughly 5,877 Sunrise workers — about 11% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Executive suburbs and enclaves
The executive enclaves around Sunrise pair strong values with a steady sales record, and a bank-statement file there is usually decided by the deposits rather than by the appraisal. Median household income in Sunrise sits near $77,652, the middle of a distribution whose top end the program serves.
Prestige neighborhoods
The blue-chip streets of Sunrise carry the values and the sales record that make a large balance straightforward to underwrite once the statements are in order. About 8.6% of Sunrise’s households earn two hundred thousand dollars a year or more — roughly 3,092 households at the top of the income distribution.
Submarket descriptions are general market context; the statements, the appraisal, and full underwriting decide every figure in a file.
Four ways Sunrise entrepreneurs put super-jumbo bank-statement financing to work.
Four ways a high-value home in Sunrise is financed on deposits, each with its own place on the ladder.
Move with a departing residence
In Sunrise, 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 Sunrise, FL qualifies on the statements; the equity is sized to the band, and the appraisal work scales with the price.
Take cash out inside the cash-out ladder
A borrower consolidating equity from a Sunrise 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.
Qualify on assets instead of deposits
A Sunrise file with strong liquidity can lean on the asset-allowance path to supplement deposits or the assets-only path to replace them, subject to lender program eligibility.
Size a Sunrise bank-statement file before requesting a quote.
Run a Sunrise scenario through the matrix before you request a quote: the statements and deposits produce qualifying income, the occupancy and balance produce the leverage cell, and the cap produces the budget. No rate, payment, or cost appears anywhere in the result.
Sunrise bank-statement qualifier
Starting assumptions reflect Sunrise’s home values; change any field and the ladder is re-read.
Illustrative starting assumptions: a $1,250,000 price set above Sunrise’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.
Same Sunrise borrower, three files: deposits at scale, deposits within the standard ceiling, or the property’s rent — each reads income differently and stops at a different balance.
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.
Qualifies on the same deposit math but stops at the standard program ceiling; the lower bands of the super jumbo ladder overlap it, with the standard program often the cleaner fit there. 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 Sunrise.
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 Sunrise scenario review.
What a bank-statement scenario review usually starts with.
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.
A super jumbo bank statement file in Sunrise, FL is won or lost on details a standard file rarely meets: the occupancy ladder, the statement method, the overlays above the line, the program hand-off, the property type.
Use these checks to keep the Sunrise file clean and fundable.
Three checks keep a Sunrise high-balance file on track: the rung for the occupancy comes first, and the checklist below carries the rest for this market.
- Know the rung: place the balance on the ladder for the occupancy before the price is set.
- Count the deposits: know the expense ratio the business type carries.
- Consider the asset paths: know the divisor for the asset-allowance path.
Occupancy and loan size decide the leverage
In Sunrise, 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 Sunrise, FL file with clean, consecutive statements and a defensible expense ratio reads cleanly.
Asset paths when deposits fall short
For Sunrise, FL borrowers whose wealth sits in accounts rather than in deposits, the program’s asset paths supplement or replace statement income, with retirement assets counted at a discount and foreign assets excluded.
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 Sunrise high-balance file they are a large figure in dollars.
The review line and the bank-program hand-off
A Sunrise request in the portfolio program’s upper bands is reviewed case by case before submission; a request in the largest bands is a bank portfolio file, with its own credit floor, its own leverage, and its own documentation window.
From Sunrise bank statements to a funded high-balance loan.
Lendmire runs a Sunrise high-balance file in a set order: place it on the ladder, count the deposits, appraise it, close it.
Place the balance
Every Sunrise 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 Sunrise 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 Sunrise, 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 Sunrise file closes on the terms the ladder allows.
A brokerage built around self-employed borrowers.
Lendmire built its practice on borrowers whose tax returns understate their income, which is why the statement methods, the ladders, and the overlays are familiar ground rather than surprises.
Ladders, not guesses
Lendmire reads the matrix for a Sunrise 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 Sunrise business fairly.
The right wholesale program
High-balance bank-statement ladders differ by program; Lendmire places a Sunrise, FL file where its deposits, its credit tier, its occupancy and its property read best, subject to lender program eligibility.
Trusted by homeowners & investors alike.
Sunrise super jumbo bank statement loan FAQs
Program-level answers to the questions Sunrise borrowers raise most about super jumbo bank statement loans. Every file is underwritten individually; nothing here is a commitment.
How is leverage decided on a super jumbo bank statement loan in Sunrise?
By occupancy, loan size and credit tier. There is no single loan-to-value on the program; the ladder steps leverage down as the balance climbs, and the best cell in every band requires stronger credit.
How is my income calculated from bank statements?
Deposits divided by months, after exclusions and the expense ratio. The method chosen for a Sunrise 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 Sunrise home?
Yes, inside the cash-out ladder; the proceeds cap that applies once the leverage passes the program’s cash-out threshold, and the reserve rule at the largest balances, shape how much cash a file returns.
Is interest-only available?
Through select programs, yes: at its own leverage cap and credit floor, on a forty-year structure with a ten-year interest-only window on the portfolio program, and on adjustable structures with a lower cap on the bank portfolio program. The ratio is measured on the interest-only payment.
What does Lendmire do on a Sunrise high-balance file?
The structural work: occupancy ladder, band, cell, expense method, overlays, appraisals, reserves, program. A Sunrise borrower brings the statements; Lendmire brings the ladder.
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 Sunrise, FL file moving.
How long do I need to have been self-employed?
Two years is the standard; one year can qualify with two years of prior work in the same field, or with a year of formal training.
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 Sunrise owner whose books are cleaner than their deposits.
What if my deposits fall short but my assets are strong?
The program’s asset paths supplement or replace statement income for Sunrise borrowers whose wealth sits in accounts rather than in deposits, with retirement assets counted at a discount and foreign assets excluded.
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.
From bank statements to a funded loan — start the review.
A first read of a Sunrise high-balance scenario takes a few minutes and commits you to nothing; the ladder, the statement method, and the overlays are explained before anything is ordered.
This guide covers Sunrise — 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: Tamarac · Lauderhill · Plantation · Margate · Davie · Coral Springs · Fort Lauderdale · Coconut Creek
Other loan programs in Sunrise: DSCR Loans in Sunrise, FL · Super Jumbo DSCR Loans in Sunrise, FL · Short-Term Rental Loans in Sunrise, FL · Investment Property Cash-Out Refinance in Sunrise, FL · Hard Money Loans in Sunrise, FL · Bank Statement Loans in Sunrise, FL · Bank Statement HELOC in Sunrise, FL · Investment Property HELOC in Sunrise, FL