Super Jumbo Bank Statement Loans

Drop that percentage, and your qualifying income jumps — sometimes by tens of thousands a month.

Once it clears that test, most wholesale programs count it dollar-for-dollar, the same as personal cash, with no discount applied.

On most super jumbo files, cash-out proceeds cannot satisfy this requirement at all — the reserves have to come from somewhere else.

– Underwriters verify current, sourced, and seasoned account balances — not P&L or tax-return retained-earnings figures.

Then it strips out any transfer that moved money from one account the borrower controls into another account the borrower controls.

If the same business’s income also qualifies the borrower, a lender must run a cash flow analysis showing the withdrawal won’t hurt the business.

The math runs deposits through an expense ratio, drops out transfers and one-off credits, and averages what’s left into a monthly qualifying figure.

Business deposits get an expense ratio subtracted to model the cost of running the business. Personal deposits generally count in full, no haircut.

If the co-owner is also on the loan with you, this is mostly a non-issue.

Retained Earnings Cover Reserves On A Bank Statement — No, not directly.

Deposits that can’t be sourced get excluded from usable assets, not automatically denied.

Above roughly $3.5 million to $4 million, every file also gets a case-by-case review before submission, and commingling adds one more layer to that review.

Document Bonus Income On A Super Jumbo — On a bank statement loan, bonus income is not a separate line item. It’s just a deposit.

The bank has to show the borrower can pull the funds out without starving the business or triggering a partner’s claim on the account.

Minority Owner Use Business Bank Statements — Generally, no — not on the business-account path alone.