Current super-jumbo bank-statement guidelines, updated from one source.
Every super jumbo bank statement page in this series shows the same live program figures, read from one guideline source rather than typed into each page.
Program ceiling
The ceiling belongs to the bank portfolio program, which carries twelve-month-statement files above the portfolio program’s top band; the ladder table shows where each program takes over.
Top primary-residence leverage
At the first rung of the ladder a primary residence reaches this ceiling; second homes and investment property carry their own ceilings, and every band above steps down.
Months of bank statements
Statements are the income document: deposits divided by the statement months, after the ownership share and the expense ratio. Tax returns are not requested for qualifying.
Credit floor
The minimum credit score for the ladder’s bottom rung; the credit required for a given leverage rises with the loan size and with the occupancy.
Qualifying income is the eligible deposits divided by the statement months, after the ownership share and any expense ratio; total obligations stay inside this cap.
Cash in hand is capped at this figure when the loan is above sixty percent of value; at or below that leverage the proceeds are not capped on the portfolio program.
An interest-only period is available through select programs at its own leverage and credit floor; the bank portfolio program carries a lower interest-only cap.
| Loan size | Primary residence | Second home | Investment |
|---|---|---|---|
| $300,000 – $1M | 90% · 680+ | 85% · 700+ | 85% · 700+ |
| $1M – $1.5M | 85% · 700+ | 80% · 680+ | 80% · 680+ |
| $1.5M – $2M | 85% · 720+ | 80% · 700+ | 80% · 700+ |
| $2M – $2.5M | 80% · 720+ | 80% · 720+ | 80% · 720+ |
| $2.5M – $3M | 80% · 720+ | 75% · 720+ | 75% · 720+ |
| $3M – $3.5M | 75% · 720+ | 65% · 760+ | 60% · 680+ · bank program |
| $3.5M – $4M | 75% · 760+ | 65% · 760+ | 60% · 680+ · bank program |
| $4M – $5M | 65% · 680+ · bank program | 65% · 760+ · case by case | 65% · 760+ · case by case |
| $5M – $6M | 60% · 680+ · bank program | 55% · 680+ · bank program | 55% · 680+ · bank program |
| $6M – $10M | 60% · 680+ · bank program | 55% · 680+ · bank program | 55% · 680+ · bank program |
| $10M – $20M | 55% · 680+ · bank program | 50% · 680+ · bank program | 50% · 680+ · bank program |
| $20M – $30M | 55% · 680+ · bank program | 50% · 680+ · bank program | 50% · 680+ · bank program |
Current super-jumbo bank-statement snapshot · updated September 7, 2026 · portfolio program to $6M, bank portfolio program above it to the ceiling · super-jumbo overlays above $3.5M on a primary residence and $3M on a second home or investment property · portfolio-program balances above $4M reviewed case by case before submission · reserves 3–9 months by loan size.
Program figures are hydrated from one guideline source and change when it changes. Leverage steps down by loan-size band and occupancy, credit floors rise above the overlay line, cash-out has its own ladder, and the largest balances move to the bank portfolio program; all of it is subject to lender program eligibility and underwriting. No rate, payment, fee, or lender identity appears on this page, and Lendmire is the broker, not the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
For Johnson City, TN borrowers, the program is best understood as a table rather than a number: each occupancy has its own ladder, each loan-size band has its own leverage and credit cells, and two programs share the work.
Balance inside the standard ceiling? See Bank Statement Loans in Tennessee, the standard program, or the statewide guide at Super Jumbo Bank Statement Loans in Tennessee.
Deposits qualify the loan, not tax returns
A high-value home in Johnson City, TN qualifies the same way a modest one does — on the statements — but the lender reads the deposits, the business, and the expense ratio more closely, because the number they support is larger.
Leverage is a ladder by occupancy and size
There is no single loan-to-value on this program. A Johnson City file is placed by occupancy and loan size, the credit tier selects a cell inside the band, and that cell is the leverage. The ladder table on this page shows the best cell in each band for each occupancy.
Credit, reserves and overlays rise with the balance
In Johnson City, TN, the overlays above the line are the program’s way of translating size into credit: a higher floor, a spotless housing history, longer seasoning after any credit event, and reserves that scale with the payment.
Two programs, one file
For Johnson City, TN borrowers planning a very large balance, the program that carries it is decided by the ladder: the portfolio program through its bands — case by case above its review line — and the bank portfolio program above them. Either way, the deposits qualify the file.
Enter the occupancy, a price, an equity percentage, a credit tier, the statements you would use and the deposits they show; the calculator computes the income the program’s way and reads the leverage cell for the balance.
Where Johnson City’s self-employed high earners buy — and how a lender reads the market.
Market data for Johnson City, TN frame the question every super jumbo bank statement file answers: at this value, do the deposits carry the payment at the leverage the ladder allows?
Market context only. In high-value markets, the buyers are disproportionately owners of businesses whose tax returns understate their cash flow; the statements exist to show the income the returns hide, and the ladder exists to size the loan against it.
Data sources: U.S. Census Bureau — ACS 5-Year (2024) housing and population estimates, including owner-occupied home values by bracket, household income by bracket, and class of worker.
Distinct Johnson City submarkets, distinct appraisal stories.
The metropolitan luxury market around Johnson City splits into distinct pockets; a lender underwrites the home in front of it, but the pocket sets the expectations.
Executive suburbs and enclaves
In the suburbs favored by Johnson City’s founders and physicians, homes trade often enough that the appraiser has company, and the ladder applies cleanly. About 7.4% of Johnson City’s households earn two hundred thousand dollars a year or more — roughly 2,277 households at the top of the income distribution.
High-rise and full-service residences
Full-service residences in Johnson City’s towers qualify on the same deposit math as a house, with the building’s warrantability, litigation, and owner-occupancy mix reviewed beside the borrower and selecting their own leverage cell. Johnson City counts a population near 72K within the Johnson City, TN area.
Historic and estate districts
Historic property in Johnson City appraises on a thin comparable set; two appraisals are routine once the balance crosses the line, and the review takes longer. Census estimates place about 2.0% of Johnson City’s owner-occupied homes at a value of one million dollars or more — roughly 320 homes.
Luxury townhomes and two-to-four-unit homes
In Johnson City, a high-value townhome or a small multi-unit home the borrower occupies qualifies on statements like any other, and the property type selects its own cell on the matrix. Roughly 3,635 Johnson City workers — about 10% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Prestige neighborhoods
The prestige neighborhoods of Johnson City offer the deepest comparable sales in the market, which is the half of a high-balance file the borrower cannot bring: the deposits qualify the income, the comparables qualify the price. The median owner-occupied home value in Johnson City runs near $268,200 on the latest Census estimate.
New luxury construction
Where Johnson City is adding new estates and towers, the value case rests on recent closed sales of similar product, and the lender applies the ladder only once those support the number. Median household income in Johnson City sits near $57,254, the middle of a distribution whose top end the program serves.
Read the submarkets as orientation. The file’s figures come from the statements, the appraisal, and the program matrix.
Four ways Johnson City entrepreneurs put super-jumbo bank-statement financing to work.
Four ways a high-value home in Johnson City is financed on deposits, each with its own place on the ladder.
Move with a departing residence
In Johnson City, a purchase during a move is underwritten on the same statements, with the departing residence handled by the bank portfolio program’s features.
Take cash out inside the cash-out ladder
Cash-out in Johnson City, TN has its own rungs: leverage by band and occupancy, a proceeds cap above a certain leverage, and the bank portfolio program’s own treatment at the largest balances.
Buy a primary residence above the standard ceiling
A primary-residence purchase above the standard ceiling in Johnson City, TN qualifies on the statements; the equity is sized to the band, and the appraisal work scales with the price.
Qualify on assets instead of deposits
A Johnson City file with strong liquidity can lean on the asset-allowance path to supplement deposits or the assets-only path to replace them, subject to lender program eligibility.
Size a Johnson City bank-statement file before requesting a quote.
Test a Johnson City balance against the ladder: occupancy, loan size and credit tier select the leverage, the deposits set the income, and the cap sets the budget. Overlays above the super-jumbo line, the bank portfolio hand-off and the cash-out proceeds cap are applied automatically.
Johnson City bank-statement qualifier
A Johnson City scenario to start from — adjust the occupancy, price, equity, credit tier and deposits to see which rung the balance lands on.
Illustrative starting assumptions: a $1,250,000 price set above Johnson City’s median owner-occupied home value to reach the super jumbo band, an equity position sized to the ladder, twelve months of deposits sized to carry a balance of that size, and modest other obligations (U.S. Census Bureau). Every field is editable; no rate or payment is shown.
Illustrative estimate only — not a Loan Estimate, approval, quote, or commitment to lend. No rate, payment, or cost is shown or implied. Qualifying income follows the program’s deposit method for the statements entered; leverage is read from the current program matrix for the occupancy, loan size and credit tier; the appraisal, the statements themselves, reserves, and full underwriting decide the actual figures. Consumer mortgage lending licensed in sixteen states.
Same borrower, four very different files.
The right structure for a Johnson City, TN borrower depends on the balance, the occupancy, and whether the deposits, the assets, or the property’s rent should carry the file.
Deposits at scale, a standard bank-statement loan, or the property’s rent.
Qualifies on twelve or twenty-four months of deposits above the standard bank-statement ceiling, with leverage read from an occupancy-and-size matrix, super-jumbo overlays above the line, and a bank portfolio program carrying the largest bands.
Qualifies on the same deposit math but stops at the standard program ceiling; the lower bands of the super jumbo ladder overlap it, with the standard program often the cleaner fit there. Inside the standard ceiling, Lendmire arranges bank statement loans in Tennessee.
Rent-qualified rather than deposit-qualified: the super jumbo DSCR program puts the property’s income at the center, which suits a leased rental rather than an owner-occupied home. For a leased rental, see super jumbo DSCR loans in Johnson City.
Super jumbo bank statement fits a primary residence, second home or investment property the borrower’s deposits can carry above the standard ceiling; standard bank statement fits the balance inside it; super jumbo DSCR fits a rental whose rent carries the file.
What to prepare for a Johnson City scenario review.
A typical starting file for a high-value home.
This is a general preparation guide, not a universal checklist. The selected lender may request additional information based on the loan size, occupancy, the statements, the business, the property, and reserves. Nothing here is legal or tax advice.
Local details that can change the loan.
A super jumbo bank statement file in Johnson City, TN is won or lost on details a standard file rarely meets: the occupancy ladder, the statement method, the overlays above the line, the program hand-off, the property type.
Use these checks to keep the Johnson City file clean and fundable.
A clean Johnson City file starts with the balance placed on the right occupancy ladder, the deposits counted the program’s way, and the reserves counted.
- Know the rung: plan the equity around the rung, not the value.
- Count the deposits: know the expense ratio the business type carries.
- Consider the asset paths: season the assets the program requires.
Occupancy and loan size decide the leverage
Occupancy chooses the ladder and the balance chooses the band; together they set the leverage ceiling and the credit floor for the best cell. A primary residence starts highest, a second home and an investment property a rung lower, and every larger band steps down — which is why the equity is planned before the price.
How the deposits are counted
Transfers between the borrower’s own accounts, unusual deposits, and cash not customary to the business are excluded, and returned items are limited inside the window; a Johnson City, TN file with clean, consecutive statements and a defensible expense ratio reads cleanly.
Asset paths when deposits fall short
An asset-allowance path adds qualifying income from liquid assets divided over a set number of months, with a longer divisor when the assets stand alone; an assets-only path skips the ratio and the reserves, and retirement assets count at a reduced value.
The review line and the bank-program hand-off
The two programs share one ladder in Johnson City, TN, with a review line inside the portfolio program’s upper bands; the calculator names the program and the review for any balance entered, and Lendmire packages the file for the program whose terms fit.
Property type selects its own cell
Warrantable condominiums, non-warrantable condominiums, condotels, two-to-four-unit homes and rural property each carry their own leverage cell on the matrix; acreage is capped, rural property is excluded above a set balance, and a second home is limited to a single unit.
From Johnson City bank statements to a funded high-balance loan.
The process for a Johnson City, TN super jumbo bank statement loan is deliberate, because the details at this size are expensive to discover late.
Place the balance
The first step is the ladder: where the Johnson City, TN balance lands for the occupancy, which cell the credit tier opens, and whether the structure should change to land on a better rung.
Count the deposits
The deposits become income by one of the program’s methods; Lendmire chooses the method that reads the Johnson City, TN business most fairly and packages the statements to support it.
Appraise and package
Valuation is settled next: the appraisals the Johnson City balance requires and the property review, while the file is assembled for the wholesale program whose ladder reads it best.
Close and fund
Underwriting confirms the income, the ratio, the leverage cell, reserves, and the property; the Johnson City file closes on the terms the ladder allows.
A brokerage built around self-employed borrowers.
High-balance bank-statement lending is where a generalist stumbles: the ladders differ by occupancy and program, the expense methods differ by lender, and the list of wholesale lenders that handle very large self-employed files competently is short.
Ladders, not guesses
The occupancy ladder, the band, the cell, the overlays, and the program are known at the start of a Johnson City, TN file, not discovered in underwriting.
The statements, read fairly
The expense method changes the income; Lendmire chooses the one that reads a Johnson City business most fairly and packages the statements to support it.
The right wholesale program
Not every wholesale lender carries a self-employed borrower past the standard ceiling, and the ones that do differ on leverage, overlays, and documentation; Lendmire knows which is which.
Trusted by homeowners & investors alike.
Johnson City super jumbo bank statement loan FAQs
The questions a Johnson City, TN business owner asks before requesting a high-balance scenario review, answered at the program level.
How is leverage decided on a super jumbo bank statement loan in Johnson City?
By occupancy, loan size and credit tier. There is no single loan-to-value on the program; the ladder steps leverage down as the balance climbs, and the best cell in every band requires stronger credit.
How is my income calculated from bank statements?
The program adds the eligible deposits, removes transfers between the borrower’s own accounts and unusual deposits, applies the expense ratio where a business account is used, prorates to the ownership share, and divides by the statement months.
Can I take cash out of a high-value Johnson City home?
Yes, inside the cash-out ladder; the proceeds cap above the set leverage and the reserve rule at the largest balances shape how much cash a file returns.
What happens in the portfolio program’s largest bands and above them?
Two things: the portfolio program reviews its largest balances before submission, and the bank portfolio program continues the ladder to the ceiling on its own terms; the calculator names the program and the review for any balance entered.
Can I qualify on a profit-and-loss statement instead?
A profit-and-loss-only path exists on a primary residence at its own leverage cap, prepared by a CPA, enrolled agent or licensed tax preparer — never by the borrower — with a reduction when the preparer cannot confirm filings, and case-by-case treatment above the super-jumbo line.
Does the program finance investment property?
Investment property qualifies on the deposits like any other occupancy, on its own ladder and with its own rules; where the property’s rent is the stronger case, the DSCR path is the alternative.
What if my deposits fall short but my assets are strong?
Two paths: an asset allowance that adds qualifying income from liquid assets divided over a set number of months — a shorter divisor when it supplements statement income, a longer one when it stands alone or the balance is above the line — at its own leverage cap and seasoning; or an assets-only qualification on liquidity alone, with no ratio calculated and no reserves required.
How long do I need to have been self-employed?
Two years, or one year with two years of prior work in the same field, or one year plus a year of formal training. Wage or fixed income can be combined with the statement income.
What is the rate on a super jumbo bank statement loan?
A scenario review produces the terms; the calculator here sizes income and leverage only, by design.
What does Lendmire do on a Johnson City high-balance file?
Places the file on the ladder first, counts the deposits the program’s way, then builds the file for the program that reads it best; Lendmire brokers the loan through its wholesale network and is never the lender.
Talk through a Johnson City high-balance file before the appraisal is ordered.
No credit pull, no commitment: an initial review places your Johnson City balance on the ladder and tells you what the file will need.
This guide covers Johnson City — for the statewide ladder, overlays, and scenarios, see Super Jumbo Bank Statement Loans in Tennessee, part of Lendmire’s super jumbo bank statement loan program.
Also in Tennessee: Gatlinburg · Collierville · Hendersonville · Knoxville · Super Jumbo DSCR Loans in Johnson City · DSCR Loans in Johnson City