Bank Statement Loans

– Bank statement loans qualify attorneys on actual deposits, not on K-1 taxable income or a tax return’s net-profit line.

Loan sizes through select wholesale programs run from $300,000 to $20,000,000, with leverage stepping down as the amount climbs.

Underwriters average the deposits, apply an expense factor to business accounts, and qualify the loan on what’s left.

Loan sizes through select wholesale programs in Lendmire’s network run from $300,000 to $20,000,000, with leverage stepping down as the loan gets larger.

None of this is a guarantee — every file is underwritten individually, and program terms change without notice.

– Loan amounts run from $300,000 to $20,000,000 through two distinct wholesale programs, each with its own size and leverage ladder.

A lender averages 12 or 24 months of statements, applies an expense factor to business-account deposits, and turns the result into qualifying income.

Bank Statement Loans For Business Owners: Complete Guide — A bank statement loan lets a self-employed borrower qualify on deposit history

This guide walks through both, plus the leverage, documentation, and reserve rules that actually govern approval at these loan sizes.

Complete Guide To Buying A Luxury Home With Bank Statements — A luxury purchase priced above the conforming loan limit almost always lands

Complete Guide To Second-Home Financing With Bank Statements — A bank statement loan lets a borrower qualify for a second home using 12

This guide walks through how underwriting actually reads one of these files, where the leverage ladders sit, and where the general rule breaks.

How income gets verified (bank statements instead of tax returns). How the payment is structured (interest-only instead of fully amortizing).