Current super-jumbo bank-statement guidelines, updated from one source.
These figures are read from Lendmire’s centralized super-jumbo bank-statement standards source and update automatically when the program changes. Every state and city guide in this series reads the same source.
Program ceiling
This is the balance the program can reach on a strong file; the leverage cell at any size depends on occupancy, the credit tier, and the transaction.
Top primary-residence leverage
Leverage is read per occupancy, loan size, and credit tier from the matrix — the figure here is the best primary-residence cell, not the whole program.
Months of bank statements
Twelve or twenty-four months of statements qualify the file; the expense ratio depends on whether the account is personal or business and on the size of the business.
Credit floor
A published credit floor for the smallest balances; the best leverage cells in every band require stronger credit, as the ladder table shows.
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.
Super jumbo bank statement loans are non-QM consumer mortgage programs arranged through select wholesale lenders, licensed in sixteen states. Leverage, credit floors, reserves, statement methods, and eligibility are read from the current program matrix for the occupancy, loan size and credit tier and are subject to lender program eligibility and full underwriting. Nothing on this page states or implies a rate, a payment, a fee, or a lender; Lendmire is a mortgage broker and never the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
The mechanics in Marfa, TX are the same as any bank-statement loan — eligible deposits divided by the statement months — with one addition: the leverage, the credit floor, the reserves, and the appraisal work all scale with the balance and shift with occupancy.
Balance inside the standard ceiling? See Bank Statement Loans in Texas, the standard program, or the statewide guide at Super Jumbo Bank Statement Loans in Texas.
Deposits qualify the loan, not tax returns
The income that matters is what Marfa business owners actually deposit — personal statements with business transfers at full value, business statements after an expense ratio set by the business type or by an accountant’s letter.
Leverage is a ladder by occupancy and size
Leverage in Marfa, TX is decided band by band and occupancy by occupancy. The same home as a primary residence and as a second home sits on two different ladders — which is why occupancy is entered before the price.
Credit, reserves and overlays rise with the balance
The program reads credit twice for a Marfa file: once against the floor for the band, and once against the floor for the leverage cell requested. A single recent housing late reduces leverage; a credit event inside the seasoning window reduces it further.
Two programs, one file
For Marfa, TX 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.
This is the whole test, applied at the leverage the ladder allows for the occupancy and balance. The tool below reads the matrix for your inputs; underwriting decides the real numbers.
Where Marfa’s self-employed high earners buy — and how a lender reads the market.
Market data for Marfa, TX 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?
Read the figures as backdrop. 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 Marfa submarkets, distinct appraisal stories.
Marfa’s high-value stock is not one market. Each submarket below carries its own values, its own appraisal story, and its own review points, and the leverage ladder meets each one differently.
In-town luxury neighborhoods
The established luxury neighborhoods of Marfa offer deeper comparable sales and a year-round market, the combination a high-balance file reads best on. Marfa counts a population near 2.5K.
Modern architectural homes
Unique modern construction around Marfa carries the value but not always the comparables; valuation support is settled before the ladder is applied. The median owner-occupied home value in Marfa runs near $251,400 on the latest Census estimate.
View estates on acreage
The estate lots around Marfa carry space and view premiums, and the file has to show the parcel stays inside the acreage limit for its band. Roughly 497 Marfa workers — about 37% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Golf and club residences
The club neighborhoods of Marfa pair strong values with association packages a lender underwrites alongside the statements. About 4.6% of Marfa’s households earn two hundred thousand dollars a year or more — roughly 54 households at the top of the income distribution.
Gated desert estates
The gated estates of Marfa carry the market’s highest values and an association package that sits beside the statements in the review. Census estimates place about 2.3% of Marfa’s owner-occupied homes at a value of one million dollars or more — roughly 20 homes.
Luxury condominiums
A condominium in Marfa is often the entry point for a high-balance second home; the association documents are underwritten alongside the deposits. Median household income in Marfa sits near $44,306, the middle of a distribution whose top end the program serves.
These are patterns, not promises: each Marfa home is underwritten on its own appraisal, its own deposits, and its own place on the ladder.
Four ways Marfa entrepreneurs put super-jumbo bank-statement financing to work.
Four ways a high-value home in Marfa is financed on deposits, each with its own place on the ladder.
Buy a primary residence above the standard ceiling
For a Marfa purchase that a standard bank-statement program cannot carry, the super jumbo path applies the same deposit math at a larger balance, with the primary-residence ladder setting the leverage.
Take cash out inside the cash-out ladder
A borrower consolidating equity from a Marfa home uses the cash-out path where the ladder allows it, knowing the proceeds cap applies above the set leverage.
Refinance out of a bank or bridge loan
A rate-and-term refinance in Marfa, TX replaces a loan that no longer fits — a short-term bridge, a private loan, a loan the borrower’s returns could not support — on the strength of the deposits.
Qualify on assets instead of deposits
For Marfa borrowers whose wealth sits in accounts rather than in deposits, the program’s asset paths supplement or replace statement income, at their own leverage cap and seasoning.
Size a Marfa bank-statement file before requesting a quote.
Run a Marfa scenario through the matrix before you request a quote: the statements and deposits produce qualifying income, the occupancy and balance produce the leverage cell, and the cap produces the budget. No rate, payment, or cost appears anywhere in the result.
Marfa bank-statement qualifier
Seeded with Marfa’s market figures; every field is editable, and the leverage cell updates as occupancy, balance and credit tier change.
Illustrative starting assumptions: a $1,250,000 price set above Marfa’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.
Super jumbo bank statement is one of four structures a Marfa borrower might use on the same home; each reads income differently and stops at a different balance.
Deposits at scale, a standard bank-statement loan, or the property’s rent.
Deposit-qualified financing for high-value homes: no tax returns, leverage that steps down by band and occupancy, reserves and appraisal work that scale with the balance, interest-only through select programs, and asset-based paths.
For a Marfa, TX home inside the standard ceiling, the standard bank-statement program is usually the simpler file; the super jumbo ladder is for the balance above it. Inside the standard ceiling, Lendmire arranges bank statement loans in Texas.
Qualifies an investment property on its rent rather than the owner on deposits — business-purpose financing with its own ladder, for a leased rental rather than a home the borrower will live in. For a leased rental, see super jumbo DSCR loans in Marfa.
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 Marfa 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.
Beyond the deposits and the credit tier, a handful of details decide where a Marfa high-balance file lands on the ladder — or whether it lands at all.
Use these checks to keep the Marfa file clean and fundable.
Before requesting a quote on a Marfa, TX home, confirm the occupancy ladder, the expense ratio the statements will carry, and the credit tier the best cell requires.
- Know the rung: confirm the band and the credit tier the best cell requires.
- Count the deposits: keep the statements consecutive, recent and free of unusual deposits.
- Know the program: expect twelve-month statements and a lower cap on the bank program.
Occupancy and loan size decide the leverage
In Marfa, TX, the same home financed as a primary residence and as a second home sits on two different ladders; the calculator on this page reads the matrix for the exact occupancy, size and credit tier, and the structure is planned from there.
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 Marfa, TX file with clean, consecutive statements and a defensible expense ratio reads cleanly.
The review line and the bank-program hand-off
A Marfa request in the portfolio program’s upper bands is reviewed case by case before submission; a request in the largest bands is a bank portfolio file, with its own credit floor, its own leverage, and its own documentation window.
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.
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.
From Marfa bank statements to a funded high-balance loan.
Four steps take a Marfa, TX high-balance scenario from a first read to funding; the first one is the one most borrowers skip.
Place the balance
Every Marfa file starts with occupancy and band. The equity, the transaction type, and the interest-only question are settled around them.
Count the deposits
The deposits become income by one of the program’s methods; Lendmire chooses the method that reads the Marfa, TX business most fairly and packages the statements to support it.
Appraise and package
The appraisals set the value the ladder is applied to; the Marfa, TX file is packaged in parallel — statements, credit, reserves, property — in the order the lender reads it.
Close and fund
Final underwriting reads the whole Marfa, TX file against the matrix, and the loan funds at the leverage the occupancy, band and credit tier opened.
A brokerage built around self-employed borrowers.
A super jumbo bank statement file rewards preparation, and preparation is what a brokerage built for self-employed borrowers provides.
Ladders, not guesses
Lendmire reads the matrix for a Marfa balance before anything is ordered, so the equity and the structure are planned around the rung the file will actually land on.
The statements, read fairly
Deposits are only income once they are counted the program’s way; Lendmire counts them first, choosing the statement type, the months, and the expense method that read a Marfa business fairly.
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.
Marfa super jumbo bank statement loan FAQs
General answers for Marfa borrowers weighing a super jumbo bank statement loan; the statements, the appraisal, and underwriting decide every actual figure.
How is leverage decided on a super jumbo bank statement loan in Marfa?
From a matrix: occupancy chooses the ladder, the balance places the file in a band, the credit tier selects a cell inside it, and that cell is the leverage. A primary residence carries the highest leverage in the smallest band; each larger band steps down. The ladder table on this page shows the best cell for each occupancy.
How is my income calculated from bank statements?
Eligible deposits over twelve or twenty-four months, divided by the months, after the ownership share and any expense ratio. Personal statements with business transfers count at full value; business statements carry an expense ratio set by the business type and employee count, an accountant’s letter, a profit-and-loss statement, or the deposits-less-withdrawals method.
Can I take cash out of a high-value Marfa 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.
How much do I need in reserves?
Reserves follow the balance and the portfolio: the larger the loan and the more properties financed, the more liquid assets must be verified after closing. Above the overlay line, cash-out proceeds may not satisfy them.
How long does a super jumbo bank statement loan take?
Long enough for the statements to be read the program’s way, the appraisals to be completed — two above the line — and the consumer disclosures to run their course. Lendmire settles the ladder and the income first so the appraisal is the only wait.
What expense ratio applies to business statements?
The ratio is chosen from the program’s methods for the Marfa business, and it is the single biggest lever on the qualifying income after the deposits themselves.
What credit score does a super jumbo bank statement loan require?
There are two answers: the floor for the band and the floor for the cell. A stronger tier buys more leverage inside the same band, which is why the calculator asks for the credit tier.
Can I qualify on a profit-and-loss statement instead?
Yes, within its limits: preparer-prepared, primary residence, a lower leverage cap than statements, and its own credit floor for interest-only.
What if my deposits fall short but my assets are strong?
The program’s asset paths supplement or replace statement income for Marfa borrowers whose wealth sits in accounts rather than in deposits, with retirement assets counted at a discount and foreign assets excluded.
What happens in the portfolio program’s largest bands and above them?
A Marfa balance in the portfolio program’s upper bands is read case by case before it is submitted; a balance above the program’s top band is a bank portfolio file, with its own credit floor, its own leverage, its own documentation window, and features the portfolio program lacks.
Ready to size a Marfa balance? Start with the deposits.
No credit pull, no commitment: an initial review places your Marfa balance on the ladder and tells you what the file will need.
This guide covers Marfa — for the statewide ladder, overlays, and scenarios, see Super Jumbo Bank Statement Loans in Texas, part of Lendmire’s super jumbo bank statement loan program.
Also in Texas: Mansfield · Wimberley · Abilene · Pharr · Super Jumbo DSCR Loans in Marfa · DSCR Loans in Marfa