Two programs, one standard.
The figures below are read from Lendmire’s two guideline sources on every visit — the super jumbo bank statement program and the super jumbo DSCR program — so what you see is what is in force today.
Maximum loan amount$20 million on the published ladder; above it on review
Maximum per property$6 million on the published ladder; above it on review
Primary residence, first rung
Deposits and rents qualify
Super jumbo financing, two ways to qualify.
Both programs are read from one guideline source and shown here as they stand today: bank statements for the home you live in or hold, rents for the property that pays for itself. Balances above the published ladder are considered case by case.
Home financing to $20 million on deposits — and to $30 million on review.
Primary residence, second home or investment property, qualified on twelve or twenty-four months of personal or business bank statements. Two programs share one ladder: a portfolio non-QM program through its upper bands, and a bank portfolio program that carries the largest balances, with terms set on review above the published ceiling.
Investment financing to $6 million on rents — and to $10 million on review.
Long-term and short-term rentals, single-family to four units, in an LLC or in your name, qualified on the property’s rent coverage rather than your personal income. Purchase, rate-and-term or cash-out, with interest-only available; requests above $4 million are reviewed before submission, and leverage above $6 million is set on review.
Figures are wholesale program parameters as of the current guideline snapshot, not offers; leverage steps down by loan-size band, occupancy and credit tier, and balances above the published ladder are reviewed case by case. Super jumbo bank statement loans are non-QM consumer mortgage programs, licensed in sixteen states; super jumbo DSCR loans are business-purpose investment financing in forty markets. No rate, payment, fee or lender is stated or implied. Lendmire LLC, NMLS# 2371349, is a mortgage broker and never the lender.
Built for the people who built something.
A founder’s income lives in the business, not on a pay stub. A performer’s arrives a tour or a season at a time. An investor’s wealth sits in property and rents. Lendmire places each file with the wholesale program that reads it the way it actually is.
Income that lives in the business
Distributions, retained earnings and deposits that never reach a W-2. Twelve or twenty-four months of statements carry the file, with the expense method chosen to fit the business.
Income that arrives in seasons
A tour, a season, a tournament purse, a residual, an endorsement: the money is real and keeps its own calendar. The statements average the peaks and the quiet months, so the year is read whole rather than month by month.
Physicians, attorneys, advisors
A practice built to minimize taxable income should not minimize the home it can finance. Deposits are read at the practice level, and the leverage follows the balance, not the return.
Rents that qualify the property
A super jumbo DSCR loan qualifies on the property’s own rent, not the owner’s return — long-term or short-term, in an LLC or in your name, purchase or cash-out, to $10 million on review.
K-1s, carry and bonus-heavy years
Partnership draws, carried interest and year-end distributions land unevenly and read badly on a tax return. Bank statements show the deposits as they arrived, and the ladder is set on the balance.
Consultants, creators, commissioned sales
Irregular months are the norm, not a flag. The program averages the deposits, applies the method that reads the business fairly, and places the file where its numbers read best.
Your income is real. It just doesn’t live on a W-2.
Bank deposits in place of tax returns. Property rents in place of pay stubs. We read the file the way your money actually moves, then place it with the program where it lands best.
A private-client process, run by a broker.
Lendmire is a mortgage broker, never the lender. The value is in the placement: the file is read before it is written, and it goes to the one wholesale program where it lands best.
A confidential review
A conversation about the balance, the property, and how the income actually arrives — deposits, distributions, rents — before anything is ordered or pulled.
The right program, placed
Bank statement or DSCR, portfolio or bank program, the occupancy ladder and the credit cell: the file is placed where its numbers read best, and the structure is planned to land on the right rung.
Documents that fit the file
The statement method, the expense treatment, the lease or the operating history — assembled once, packaged the way the program reads it, with no tax return in the stack.
Approval and closing
Appraisal, underwriting and closing through the wholesale lender, with Lendmire managing the file end to end. Consumer lending in sixteen states; investor financing in forty markets.
One licensed loan officer. Start to finish.
No call center and no hand-offs. The person who reads your deposits and places your file is the person who answers the phone through closing — and the conversation stays confidential. Scenarios are read before anything is applied for, so you know the ladder, the leverage and the program before your name is on a form.
- i.A direct lineA licensed loan officer with a mobile number, not a queue — on a file that moves at your pace.
- ii.Read before it is writtenThe ladder, the credit cell and the program are known before an application exists, so nothing is discovered in underwriting.
- iii.Wholesale placementSeveral programs compete for the file; you deal with one team, and the file goes where its numbers read best.
- iv.DiscretionBrokered through Lendmire’s wholesale network, licensed in sixteen states for consumer lending and forty markets for investor financing.
The self-employed file is our specialty.
Most lenders treat a bank-statement or DSCR file as an exception. Lendmire’s programmatic guideline system and wholesale network were built around it.
Ladders, not guesses
The leverage cell, the credit floor, the overlays and the program are known at the start of the file, read from one live guideline source — not discovered in underwriting.
The income, read fairly
Personal or business statements, twelve or twenty-four months, a fixed ratio or an accountant’s letter, rents on a lease or an operating history: the method is chosen before the lender sees the file.
A wholesale network, one point of contact
Several programs compete for the file; you deal with one team. Lendmire is licensed in sixteen states for consumer lending and places investor financing in forty markets.
What entrepreneurs say after closing.
Straight answers, before the review.
Answered at the program level. Every file is underwritten individually; nothing here is a commitment to lend.
What is a self-employed mortgage, and who qualifies?
A self-employed mortgage is a home loan qualified on the income a business owner actually receives rather than the income a tax return shows after deductions. At Lendmire the vehicle is a bank statement loan: twelve or twenty-four months of personal or business deposits establish qualifying income, and the loan sizes on that figure, to $20 million on the published ladder and to $30 million on review. Founders, partners, private-practice professionals, entertainers, athletes and independent contractors all qualify the same way; what matters is the deposit history, not the job title.
Do I need tax returns for either program?
No. The bank statement program qualifies on twelve or twenty-four months of deposits; the DSCR program qualifies on the property’s rent coverage. Neither uses personal tax returns to size the loan.
How large a home can I finance on bank statements?
Balances run to $20 million on the published ladder across two programs — a portfolio non-QM program through its upper bands, reviewed case by case above $4 million, and a bank portfolio program that carries the largest balances on twelve months of statements at its own leverage cap — and to $30 million on review, with leverage and terms set case by case above the published ceiling.
My income arrives a tour, a season or a contract at a time. How is that read?
The way it arrives. Twelve or twenty-four months of bank statements are averaged, so a tournament purse, a tour settlement, a residual check or an endorsement payment counts in the month it landed and the quiet months are carried by the strong ones. Nothing is annualized from a single month, and nothing is discounted for being irregular; the qualifying figure is the average the statements support.
How is my income calculated from deposits?
Personal statements with business transfers count at full value. Business statements carry an expense ratio set by the business type and employee count, or an accountant’s letter, and require a minimum ownership share. The method is chosen before the file is packaged, because each produces a different income.
Can a DSCR loan be closed in my LLC?
Yes. Super jumbo DSCR loans are business-purpose investment financing; vesting in an LLC or other entity is standard, with a personal guarantee, in the forty markets Lendmire serves for investor lending.
What if the property is a short-term rental?
Short-term rental income qualifies on documented operating history, to $2 million on the DSCR program; above that, the property qualifies on long-term market rent instead.
Is interest-only available?
Yes, on both programs through select lenders — a 120-month interest-only period on the DSCR program, and interest-only and forty-year structures on the bank statement program, at leverage caps set by the program.
What credit score does it take?
Both programs open at a 660 score at the first band, with higher floors as the balance grows: 700 above $3 million on the DSCR program and above $3.5 million on the bank statement program. Two-borrower files may use a blended score on some programs.
Where does Lendmire lend?
Consumer mortgages, including the bank statement program, in sixteen states. Business-purpose DSCR financing in forty markets — thirty-nine states and the District of Columbia.
Tell us how the income arrives. We’ll place the file.
A confidential review with a licensed loan officer — no credit pull, no commitment — that names the program, the leverage cell and what to gather.