Super Jumbo Bank Statement Loans

On investment property, that income basis pairs with the property’s own rental performance to size the deal.

No rental income from the property can enter the math — the moment it does, the file becomes an investment-property loan instead.

Above roughly $3,000,000, a super-jumbo overlay adds a 700 credit floor and blocks cash-out proceeds from covering the reserve requirement.

Leverage runs 65% to $5M, 60% to $10M, and 55% out to $30M, with every file above $4M reviewed case by case before submission.

A fully amortizing structure fits a borrower who wants a fixed payment path from day one and doesn’t need the extra cash-flow room.

Investment property and second-home leverage sits several points lower than primary-residence leverage at the same size.

Leverage steps down in bands as the loan gets bigger, not on a smooth curve.

The math still runs on bank deposits — but the review gets slower, deeper, and more manual than a $1 million file ever sees.

Plan to occupy the place yourself, and you land in consumer-purpose financing that qualifies on your bank deposits or assets.

Most business owners shopping a mountain house or a coastal condo assume this is a financing preference. It isn’t.

On agency-backed conventional loans, gift funds usually can’t touch an investment property at all.