Lendmire Research

Nothing gets a flat dollar trigger — it’s tested against the pattern.

The underwriter still runs the same large-deposit and duplicate-counting checks on that money as on any other deposit.

None of these are the same problem, and lenders don’t treat them the same way.

Deposits tied to real income usually count.

Unsourced Deposit Flag A Loan-Out Super Jumbo — Yes, an unsourced deposit gets flagged, but a flag is not a denial.

Once sourced, a business-account expense ratio is applied, and the result becomes qualifying income. That’s the short version.

Personal-account deposits usually count in full since they already reflect after-expense income. That is the short version.

Does An Unsourced Deposit Disqualify A Loan-out CPA P&L Loan? — No, not automatically.

Cash is treated harder than a wire because cash has no paper trail behind it.

Above roughly $3.5 million to $4 million, expect the file to move into case-by-case underwriting regardless of how clean the deposit history looks.

Get that right and the transfers count.

If the deposit is a one-time capital event, it typically gets excluded from the income average rather than counted as ongoing cash flow.

Unsourced Deposit Kill A CPA P&L Loan File — No, an unsourced deposit almost never kills a CPA P&L loan file outright.