Lendmire Research

The path depends on whether you still have cash flow coming in or just a pile of proceeds.

The divisor, not the RSU balance itself, is what actually decides the outcome, and it varies by lender.

Get the order wrong and the deal stalls in underwriting even though the borrower is flush with cash.

On business-purpose loans, that scrutiny is often lighter than on a personal-income file.

Gift funds are frequently excluded on bank statement programs, unlike on many DSCR investment loans.

Meet Second-Home Occupancy Rules On A Bank Statement — Second-home occupancy is decided before the loan program is even picked.

Two licensed appraisers work the file separately, without seeing each other’s number, and the lender uses whichever figure comes in lower.

Getting that handoff sequenced right — not the bank statements themselves — is where most files succeed or stall.

Stay Invested When Qualifying On Asset Depletion — Yes, in almost every case.

It rarely pays off as a way to force approval on a deal that doesn’t otherwise work.

Bank statement borrowers who want it should raise it early, because it changes which wholesale program fits the file.

Below roughly $1 million, leverage runs highest; past $4 million, every file gets reviewed case by case before it’s even submitted.