Bank Statement Loans

That overlap is the whole game. Business owners who bank through an entity often assume the cash sitting in that account is simply theirs to use.

One Down Year In Payout Deposits Disqualify — No.

The fix is a documented, evidence-backed explanation paired with reserves — not a narrative letter alone.

The dashboard balance itself never counts — only the deposited, traceable cash does.

Money from an unrelated entity, a partner’s share, or a one-off gift gets stripped out before qualifying income is calculated.

It works best when built on specific comparable sales, not on wanting a higher number.

How Lenders Source Reserves For A 1099 Earner On A Large Second-home Loan — what borrowers need to know, from Lendmire.

Programs seen across the wholesale network typically credit 70% of the vested balance below that age and 80% at or above it.

Money moving from a borrower’s own business into their own personal account generally counts in full once ownership and the trail are documented.

K-1 profit sitting inside the entity does not count the same way cash that has actually moved does.

That last part is the piece most buyers don’t see coming.

If your exit — sale, refinance, or payoff — lands before the ARM’s fixed period ends, the ARM usually wins.

Some P&L programs skip rentals entirely and route them to a DSCR structure instead.

Two separate rules apply: one for reserves sitting as a cushion, another for turning the same account into qualifying income.