Super Jumbo Bank Statement Loans

Sizing runs $300,000 to $30,000,000 through two separate wholesale ladders, with leverage stepping down as the loan gets bigger.

Documentation runs on bank statements, 1099s, or a CPA-prepared profit-and-loss instead of tax returns, and leverage steps down as loan size climbs.

Trust Count Outside Accounts As Reserves — Yes, in many cases — but it depends heavily on trust type and documentation.

Partner Draws Count Differently From Distributions — Not really, and that surprises most partners the first time they apply for a P&L loan.

Partner Draws Count Differently From K-1 Distributions — Yes, and the gap matters more than most borrowers expect.

Trust Choose Arm Or Fixed — The trust itself doesn’t decide this.

Most asset depletion programs exclude business holdings from the calculation entirely, counting only personal liquid and semi-liquid assets.

Retained Earnings Be Reserves On A Super Jumbo — No, not on their own.

How A CPA Letter Changes Usable Income On A Super Jumbo Loan — A CPA letter doesn’t hand you extra money out of nowhere.

Do K-1 Payments Count Like Distributions On A Super Jumbo Loan? — No, and the reason has nothing to do with which one is bigger.

Can A Loan-out Account Fund A Super Jumbo Bank Statement Loan: what borrowers need to know about high-net-worth bank-statement financing, from Lendmire.

Does K-1 Income Favor 24 Months On A Bank Statement Mortgage? — Not directly.

A transfer from your business into your personal account counts in full — but only after you document ownership and trace the source.

A post-exit year does not disqualify a retiree from a second-home loan.

Bank Statement Lender Calculates Delayed Financing For A 1099 Buyer — A bank statement lender runs two separate calculations on this file.