Bank Statement Loans

Lenders in this space qualify the deal off deposits into the business account, not off net income on a Schedule C or K-1.

Ordinary business income sitting in Box 1 that never got paid out doesn’t help you here — deposits decide, not allocations.

This is a consumer-purpose loan, and it runs on a completely different track than a DSCR loan.

Underwriters need cash they can see, sitting in an account, not a number derived from company profit history.

They are not stated-income loans — deposits still get verified.

– Business cash counts toward reserves at the borrower’s ownership percentage, not the full account balance.

Lenders in this space run 12 or 24 months of bank statements, apply an expense ratio to business deposits, and turn what’s left into qualifying income.

The lender reads net income off that statement, cross-checks it against a short bank statement look-back, and skips the write-off-heavy tax return entirely.

Lenders apply an expense ratio to that gross number to arrive at qualifying income, then size the loan around that figure, credit, reserves, and leverage.

Super Jumbo Bank Statement Loan Fund A Construction-To-Perm Deal — No, not on its own.

Declining Deposit Year Disqualify A Bank Statement Loan — A soft year in your deposits does not automatically kill a bank statement loan.

Get the order wrong and you can lose a pricing tier or stall the file entirely.

The trust or entity structure a family office chooses before applying often matters more than the deposit math itself.