Super Jumbo Bank Statement Loans

Document A Large Deposit On A Super Jumbo — A large, unexplained deposit on a bank statement loan gets flagged before it gets counted.

A well-documented liquidity event rarely kills a file. A poorly explained one almost always slows it down.

How To Source A Large Deposit On A Super Jumbo Bank Statement Loan — A large deposit doesn’t sink a super jumbo file by itself.

Loan sizes through select wholesale programs run to $30,000,000, with leverage stepping down as the loan gets bigger.

Loan sizes on this path run from $300,000 to $30,000,000 through select wholesale programs, with leverage stepping down as the loan size climbs.

An unsourced large deposit does not automatically disqualify a P&L loan file.

The fix is usually a short letter plus supporting documents, timed well before the file goes to underwriting.

Super Jumbo Bank Statement Loan Tiers Above The Jumbo Line — Once a loan amount clears the conforming limit, it becomes jumbo.

Business deposits shared by two owners get split by ownership percentage, not doubled.

There’s no add-back math like on a Schedule C, no depreciation reconstruction, no chasing deductions across two tax years. The CPA’s number is the number.

The catch is that the rent can’t help you qualify. Underwriting still runs entirely off your own bank deposits, not the property’s income.

That single division is the “average.” There is no year-over-year comparison inside the P&L itself.

Add roughly 2 months for each additional financed property, up to a 12-month ceiling.