Super Jumbo Bank Statement Loans

Nothing gets a flat dollar trigger — it’s tested against the pattern.

The underwriter still runs the same large-deposit and duplicate-counting checks on that money as on any other deposit.

None of these are the same problem, and lenders don’t treat them the same way.

Unsourced Deposit Flag A Loan-Out Super Jumbo — Yes, an unsourced deposit gets flagged, but a flag is not a denial.

Deposits tied to real income usually count.

Once sourced, a business-account expense ratio is applied, and the result becomes qualifying income. That’s the short version.

Personal-account deposits usually count in full since they already reflect after-expense income. That is the short version.

Does An Unsourced Deposit Disqualify A Loan-out CPA P&L Loan? — No, not automatically.

Cash is treated harder than a wire because cash has no paper trail behind it.

Above roughly $3.5 million to $4 million, expect the file to move into case-by-case underwriting regardless of how clean the deposit history looks.

Get that right and the transfers count.

If the deposit is a one-time capital event, it typically gets excluded from the income average rather than counted as ongoing cash flow.

Unsourced Deposit Kill A CPA P&L Loan File — No, an unsourced deposit almost never kills a CPA P&L loan file outright.

Underwriters typically exclude the undocumented amount from qualifying income rather than killing the file outright.

A transfer from a business the borrower owns into their personal account typically counts at full value.