Super Jumbo Bank Statement Loans

Lower that factor, and more of your deposits count as income.

It needs a cause, a stability statement, and supporting documents — not a paragraph of reassurance with nothing behind it.

A bank statement loan is a mortgage where a lender calculates qualifying income from deposit history instead of tax returns.

A down year gets explained, documented, and sometimes offset with reserves — it rarely gets treated as an instant decline.

The lender’s job is figuring out whether the drop was a one-time event or a trend. Documentation does the explaining, not a phone call.

But this only matters on a bank-statement loan, not a DSCR loan — DSCR loans qualify on the property’s rent, not your practice’s deposits.

Bank statement programs assume a chunk of your business deposits goes to overhead before they count any of it as income.

A 50% owner of a PLLC gets credit for roughly half the balance, not all of it.

Underwriters use platform payout history mainly to sanity-check the CPA’s numbers, not as the qualifying document itself.

Here’s how the mechanism works and how to move it in your favor.

It does not touch a DSCR loan’s coverage ratio, because DSCR math runs on the property’s rent, not the borrower’s bank deposits.

What matters is deposit history, not calendar age.

Get the factor down, and your qualifying income — and your buying power — goes up. Get it wrong, and an underwriter defaults to a much harsher number.

Add Deferred Compensation To A Bank Statement Loan — Deferred comp doesn’t get folded into the deposit math on a bank statement file.