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Lendmire Research

Lendmire Research publishes analysis on mortgage markets, loan programs, and home financing trends — produced by Lendmire's editorial team and reviewed by our licensed mortgage professionals.

One Appraisal Vs Two On A Jumbo Purchase For A Retiree

October 12, 2026September 22, 2026 by Lendmire Research
One Appraisal Vs Two On A Jumbo Purchase For A Retiree

One Appraisal Vs Two On A Jumbo — A single appraisal is the default on almost every jumbo purchase, retiree or not.

Categories Bank Statement Loans, Super Jumbo Bank Statement Loans

12 Vs 24 Months Of P&L For A 1099 Consultant Buying A Home

October 12, 2026September 22, 2026 by Lendmire Research
12 Vs 24 Months Of P&L For A 1099 Consultant Buying A Home

A 24-month P&L usually wins when income is steady but one year had a rough patch that needs smoothing out.

Categories Bank Statement Loans, Super Jumbo Bank Statement Loans

Single Blanket Loan Vs Several DSCR Loans At Ten Doors In An LLC Portfolio

October 11, 2026September 22, 2026 by Lendmire Research
Single Blanket Loan Vs Several DSCR Loans At Ten Doors In An LLC Portfolio

Ten separate DSCR loans keep each door independent — its own note, its own coverage ratio, its own risk. Neither is universally better.

Categories DSCR Loans, Investment Properties, Super Jumbo DSCR Loans

Trust Vs Personal Title On A Bank Statement Loan After A Liquidity Event

October 12, 2026September 22, 2026 by Lendmire Research
Trust Vs Personal Title On A Bank Statement Loan After A Liquidity Event

Underwriting looks at your deposits, assets, and credit — not who or what sits on the deed.

Categories Bank Statement Loans, Super Jumbo Bank Statement Loans

Standard DSCR Vs Super Jumbo DSCR For A Retiree’s First Rental Property

October 12, 2026September 22, 2026 by Lendmire Research
Standard DSCR Vs Super Jumbo DSCR For A Retiree's First Rental Property

For a retiree buying a first rental, the right tier depends almost entirely on the purchase price, not on income source.

Categories DSCR Loans, Investment Properties, Super Jumbo DSCR Loans

CPA P&L Loan Requirements When Tax Returns Show Low Income

October 11, 2026September 22, 2026 by Lendmire Research
CPA P&L Loan Requirements When Tax Returns Show Low Income

The CPA must be independent, credentialed, and usually the same professional who filed the borrower’s business returns.

Categories Bank Statement Loans, Super Jumbo Bank Statement Loans

One Appraisal Vs Two On A Jumbo Second Home Purchase

October 12, 2026September 22, 2026 by Lendmire Research
One Appraisal Vs Two On A Jumbo Second Home Purchase

One Appraisal Vs Two On A Jumbo Second Home Purchase — One appraisal is standard on most jumbo second-home purchases.

Categories Bank Statement Loans, Super Jumbo Bank Statement Loans

Asset Depletion Vs Bank Statement Loan For A Seller With Platform Payouts

October 12, 2026September 22, 2026 by Lendmire Research
Asset Depletion Vs Bank Statement Loan For A Seller With Platform Payouts

A platform seller with strong reserves but thin recent revenue usually fits asset depletion better.

Categories Bank Statement Loans, Super Jumbo Bank Statement Loans

Bank Statement Loan Documentation Checklist For Self-employed Borrowers

October 12, 2026September 22, 2026 by Lendmire Research
Bank Statement Loan Documentation Checklist For Self-employed Borrowers

The checklist runs deeper than statements alone: business proof, a possible CPA letter, personal ID, credit authorization, and asset documents all matter.

Categories Bank Statement Loans, Super Jumbo Bank Statement Loans

Standard DSCR Vs Super Jumbo DSCR For A Founder’s First Rental Property

October 12, 2026September 22, 2026 by Lendmire Research
Standard DSCR Vs Super Jumbo DSCR For A Founder's First Rental Property

For a founder buying a first rental property, the choice usually isn’t a preference.

Categories DSCR Loans, Investment Properties, Super Jumbo DSCR Loans

Condo Vs Single-family Super Jumbo DSCR When Buying Through A Trust

October 12, 2026September 22, 2026 by Lendmire Research
Condo Vs Single-family Super Jumbo DSCR When Buying Through A Trust

Both property types vest into a trust the same way.

Categories DSCR Loans, Investment Properties, Super Jumbo DSCR Loans

Bank Statement Second Home Vs Vacation-rental DSCR For A Business Owner

October 11, 2026September 22, 2026 by Lendmire Research
Bank Statement Second Home Vs Vacation-rental DSCR For A Business Owner

The right pick depends less on cost and more on what the owner actually plans to do with the property, and whose income statement should carry the loan.

Categories DSCR Loans, Investment Properties, Super Jumbo DSCR Loans

One Appraisal Vs Two On A Jumbo Purchase After A Liquidity Event

October 12, 2026September 22, 2026 by Lendmire Research
One Appraisal Vs Two On A Jumbo Purchase After A Liquidity Event

One Appraisal Vs Two On A Jumbo Purchase After A Liquidity Event — Most jumbo purchases still close on a single appraisal.

Categories Bank Statement Loans, Super Jumbo Bank Statement Loans

Primary Home Vs Second Home On A Bank Statement Loan For Business Owners

October 12, 2026September 22, 2026 by Lendmire Research
Primary Home Vs Second Home On A Bank Statement Loan For Business Owners

A primary residence gets the best leverage but the strictest occupancy expectations.

Categories Bank Statement Loans, Super Jumbo Bank Statement Loans

Blanket Vs Individual DSCR Loans For A Family Office At Ten Doors

October 12, 2026September 22, 2026 by Lendmire Research
Blanket Vs Individual DSCR Loans For A Family Office At Ten Doors

Individual DSCR loans keep each property standalone, so one weak asset or one sale doesn’t touch the rest of the portfolio.

Categories DSCR Loans, Investment Properties, Super Jumbo DSCR Loans
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