Lendmire Review for Self-Employed Investors Buying Rental Property

The research in brief

Lendmire is a mixed fit for a self-employed investor buying a rental property with bank statement qualification. Two of seven platforms named Lendmire during the ranking stage, and it finished ninth overall with an average listed rank of 5.0. Its strongest case: it accepts 12 or 24 months of personal or business statements, publishes investment-property leverage tiers, and reaches loan sizes most bank statement programs do not. The main limitation is structural — Lendmire's own published guidance repeatedly calls DSCR financing "typically the more direct path" for rental purchases and describes bank statement loans as built for a personal residence ^[36]. Treat it as a broker worth quoting, not a verified best choice.

Research Snapshot

Why Lendmire Qualified for This Study

Questions explored

• Is Lendmire a legitimate contender for a self-employed investor buying a rental with bank statements?
• How many AI platforms actually named Lendmire for bank statement rental purchase financing?

Lendmire qualified because it directly matches the buyer's stated documentation preference, not because it dominated the ranking. Only two of the seven platforms — Grok and Perplexity — named Lendmire during ranking discovery, giving it a 28.6% share of included platform responses and a ninth-place final rank. Its average listed rank was 5.0, with Grok placing it fourth and Perplexity sixth.

The qualification case rests on product alignment. Lendmire markets a Bank Statement Loan and Super Jumbo Bank Statement Loans, both of which use bank deposits rather than tax returns to establish qualifying income ^[41]. It accepts 12 or 24 months of personal or business statements, publishes investment-property leverage tiers, and advertises loan sizes from roughly $125,000 to $3.5 million on the standard program, with portfolio and super-jumbo ladders reaching higher (official:C1, Evidence ID openai:c4).

That combination — deposit-based underwriting plus investment-property leverage plus large loan ceilings — is why it entered a study built around this exact buyer. It is also why the fit verdict is mixed rather than clean: the same company publishes guidance steering rental investors toward DSCR instead. This review sits inside a broader bank statement loan for self-employed rental purchase comparison, and Lendmire's placement there reflects that tension.

The mortgage offering in focus

Questions explored

• Which Lendmire product should a self-employed investor use to buy a rental property with bank statements?
• Does Lendmire's Bank Statement Loan allow rental property purchases, or is it limited to a primary residence?

The relevant products are Lendmire's Bank Statement Loan and its Super Jumbo Bank Statement Loans. Both are broker-arranged: Lendmire identifies itself as a mortgage broker, not a direct lender, and places files through a wholesale lender network ^[10]. The final credit decision, rate, and terms come from the funding lender, not Lendmire.

On paper the program matches the use case. Lendmire states that its super jumbo bank statement program includes options for eligible primary residences, second homes, and investment properties ^[52]. Its standard bank statement program is described as using 12 months of deposits, with super jumbo pages citing 12 or 24 months depending on the ladder and file ^[29].

The complication is positioning. Separate Lendmire guidance states that bank statement loans are "built for a personal residence" and that for investment property, DSCR financing reviewed on property rental income is "typically the more direct path" ^[36]. Lendmire's own investor comparison page says bank statement loans qualify the person while DSCR loans qualify the property, and that the two solve different underwriting problems ^[15]. A rental buyer should therefore confirm at intake whether Lendmire will actively price a bank statement file for a non-owner-occupied purchase, or whether the DSCR program is the practical route.

What the AI Platforms Agreed About

Questions explored

• What do AI platforms agree on about Lendmire's bank statement loan terms for rental purchases?
• Do AI platforms agree that Lendmire accepts both business and personal bank statements?

Agreement was strong on documentation mechanics and limited on everything else. Across the platform responses, the consistent findings were:

Statement window. Lendmire uses 12 or 24 months of bank statements. Twelve months is described as the common baseline across most programs, with 24 months used to smooth seasonal income swings ^[10].

Both statement types accepted. Personal and business bank statements are both accepted. Personal deposits are generally counted at or near full value; business deposits are reduced by an expense factor ^[9].

Deposit averaging methodology. Underwriting totals eligible deposits over the window and divides by the number of months, stripping out transfers between the borrower's own accounts, loan proceeds, and gifts before averaging (Evidence ID anthropic:1-5, Evidence ID google:2.2.8, official:C1).

Broker, not lender. Lendmire is a licensed mortgage broker (NMLS# 2371349) that arranges financing through wholesale lenders and does not underwrite or fund the loan itself (Evidence ID anthropic:6-15, Evidence ID kimi:C5, official:C1).

DSCR is the recommended alternative for rentals. Multiple platforms independently surfaced Lendmire's own guidance that DSCR is the cleaner fit for typical buy-and-hold rental investors ^[36].

Agreement among platforms does not establish that Lendmire's terms are competitive or that its underwriting is favorable. It establishes that the same company-published material was read the same way.

Where the AI Platforms Disagreed or Were Uncertain

Questions explored

• How much leverage can a self-employed investor actually get from Lendmire on a rental purchase?
• Is Lendmire a good fit for a rental purchase, or do the AI platforms disagree?

Leverage figures conflicted across platforms and across Lendmire's own pages. OpenAI reported investment-property leverage of approximately 85% in the $300,000–$1 million band, 80% in the $1–2 million bands, 75% around $2.5–3 million, 60% around $3–4 million, 55% from $5–10 million, and 50% from $10–30 million ^[40]. Anthropic reported up to 85% under $1 million with a 700+ credit floor, holding near 80% at $1–1.5 million, and noted investment properties run about five points below primary-residence leverage at every band ^[31]. Google reported investment-property leverage topping out around 85% and stepping down to 50–55% above $10 million, with files above $4 million getting case-by-case review ^[30]. Perplexity found the clearest single investment-property figure to be 55% LTV up to $30 million on one super-jumbo ladder, with another page citing 65% up to $5 million and 60% to $10 million on a separate ladder ^[41].

Grok reported that purchase leverage varies with no single fixed number and that cash-out refinances typically cap around 75% LTV ^[12]. Kimi reported that Lendmire states only "up to high LTV ranges depending on credit" for investment properties without publishing specific maximums ^[9].

Loan ceilings also conflicted. Lendmire pages describe a standard program to roughly $3.5 million, a portfolio program to about $6 million, and larger bank-portfolio balances to $20 million on the published ladder or $30 million on review ^[33]. Deepseek, which ran without search enabled, found no underwriting, rate, or fee parameters at all and rated the fit "uncertain" ^[12].

Fit ratings split accordingly: Gemini rated Lendmire "good," DeepSeek rated it "uncertain," and the remaining five platforms rated it "mixed."

Mortgage features for this borrowing need

Questions explored

• How does Lendmire calculate qualifying income from business bank statements for a rental purchase?
• What credit score and reserve requirements apply to a Lendmire bank statement investment property loan?

Qualification methodology. Eligible deposits are totaled over 12 or 24 months and divided by the number of months to produce average monthly income. Transfers between the borrower's own accounts, loan proceeds, and gifts are removed before averaging (Evidence ID anthropic:1-5, Evidence ID google:2.2.8, official:C1).

Business statement treatment. Business deposits receive an expense-factor haircut. Reported default factors run 20% for a one-person service business, 40% for 1–5 employees, and 50% for 6+ employees or product-based businesses. Borrowers can attempt to override defaults with a CPA letter or profit-and-loss statement, capped at an 80% override ^[20]. Grok reported expense factors typically ranging 20–50% depending on business type and employees ^[12].

Ownership thresholds. Business-account deposits require at least 25% ownership; personal-account deposits require at least 20% ^[8]. Where multiple people draw from the same business account, income is attributed by ownership percentage rather than credited in full to the qualifying borrower (official:C1).

Credit floors. Standard tiers cluster around 680–700. Above roughly $3.5 million on a primary residence or $3 million on an investment property, a 700 credit floor applies along with 48-month seasoning on major credit events ^[7].

Reserves. Reserve requirements scale with loan size rather than documentation type: roughly 3 months of PITIA up to $500,000, 6 months to $1.5 million, and 9 months above that, plus an additional 2 months for each additional financed property, capping around 12 months ^[24]. First-time investors are often held to 12 months of reserves ^[5]. Reserves and down payment are separate pools, and cash-out proceeds cannot satisfy the reserve requirement ^[31].

Debt-to-income. DTI can run as high as 50% on most files, with stronger reserves or lower LTV potentially offsetting a higher ratio ^[39].

Deposit sourcing. Large or unusual deposits require a paper trail and typically 60 days of seasoning ^[26].

Interest-only. One common structure is a 10-year interest-only period inside a 40-year term, after which payments reset to fully amortizing ^[21].

Rates, fees, and ongoing costs

Questions explored

• How much does a Lendmire bank statement loan cost for a rental purchase, and are rates published?
• What fees and contract terms should a self-employed investor expect from Lendmire?

Pricing is not publicly transparent, and every platform rated pricing confidence low. No verified public rate, APR, points, broker-fee schedule, or investment-property pricing quote was found in the reviewed materials ^[49]. Lendmire states that pricing and available terms vary by lender, borrower profile, property type, and full underwriting review ^[38].

For market context, Mortgage News Daily reported the top-tier 30-year fixed rate at 7.50% and the average lender at 7.50% on September 28, 2026 ^[50]. That is a conventional market benchmark, not a Lendmire quote. Non-QM bank statement loans generally carry a rate premium over conventional agency mortgages, and general market commentary cited by one platform suggests bank statement rates run roughly 0.5%–1.5% above comparable conventional loans ^[1].

Costs that may apply include lender or broker origination, underwriting, processing, verification, appraisal, title, escrow, recording, and rate-lock charges, but Lendmire-specific amounts are not published ^[49]. CFPB guidance states that only a reasonable credit-report fee may generally be charged before issuing a Loan Estimate, and that other fees follow the applicant's intent to proceed ^[48]. CFPB guidance also directs borrowers to compare total origination charges and other settlement costs across Loan Estimates ^[49].

Contract terms are equally thin. No public Lendmire-specific cancellation, exclusivity, rate-lock expiration, extension-fee, or prepayment terms were verified ^[49]. One platform noted that prepayment penalties are a market standard on investment-property loans and that buying them out in exchange for a higher rate is sometimes possible, but this was not confirmed in Lendmire materials ^[45]. Lendmire's terms and conditions include a binding arbitration clause and a class action waiver (official:C2).

Best Suited For

Questions explored

• Who is Lendmire's bank statement loan actually best for among self-employed rental buyers?
• Is Lendmire worth considering for a self-employed investor with strong deposits but heavy tax write-offs?

Lendmire is best suited to a specific profile: a self-employed investor with strong, documentable deposits who needs bank statement qualification rather than tax-return or W-2 underwriting, and who may need a larger loan than many standard non-QM programs advertise ^[41].

The clearest fits reported across platforms:

• Self-employed investors whose personal or business deposits better reflect actual income than tax returns, particularly those with heavy write-offs that suppress taxable income ^[9].
• Borrowers purchasing a rental under $1 million who can meet the credit and reserve overlays and want leverage in the 80–85% range ^[31].
• Borrowers with a clean 12- to 24-month deposit history and the reserves to support the loan size ^[24].
• Investors who want side-by-side comparison of bank statement and DSCR options at intake, since Lendmire offers both ^[15].
• Borrowers whose target property has weak or uncertain rental income, making DSCR qualification impractical ^[46].

Probably Not Best Suited For

Questions explored

• Who should not choose Lendmire for a bank statement loan on a rental property?
• Is Lendmire a bad choice for an investor who wants maximum leverage on a large rental purchase?

Several buyer profiles are poor matches, based on the supplied evidence.

Investors seeking the lowest rate or a transparent published fee schedule. Lendmire publishes no rate cards or fee schedules, and all pricing is lender- and file-specific ^[49].

Investors whose primary qualification strength is the rental property's cash flow. Lendmire's own guidance recommends DSCR for this scenario ^[36].

Borrowers seeking high leverage on large investment-property loans. Investment-property leverage steps down materially as loan size increases, reaching 50–55% above $10 million on the cited ladder ^[40].

Investors holding rentals in an LLC. Bank statement loans are predominantly structured for individual borrowers, and entity vesting is not universally available, often requiring additional conditions or personal guarantees that reduce asset-protection benefits ^[15].

Applicants outside Lendmire's consumer-lending footprint. Lendmire states its super-jumbo bank statement consumer mortgage program is licensed in 16 states, while its DSCR platform covers roughly 40–41 markets (Evidence ID anthropic:26-16, Evidence ID openai:c7, official:C1).

Buyers who need independently verified terms before applying. No independent evidence was found confirming approval rates, closing outcomes, or pricing competitiveness ^[12].

When Another Option May Be Better

Questions explored

• When is a DSCR loan a better choice than a Lendmire bank statement loan for a rental purchase?
• What alternative should a self-employed investor consider if Lendmire's leverage or pricing does not work?

A DSCR lender is likely better when the rental property's income comfortably covers the proposed debt and the borrower wants qualification based on property cash flow rather than personal deposits ^[49]. DSCR qualification skips deposit averaging, skips the expense factor, and requires no personal income documentation — the property qualifies mainly on its own rental income covering the payment (official:C1). Lendmire itself positions DSCR as the cleaner structure for buy-and-hold investors and notes it provides cleaner LLC origination and better scalability across future properties ^[15].

A conventional or agency jumbo lender may be better when the borrower can document income conventionally and wants potentially lower pricing and more standardized disclosures ^[49].

A direct portfolio bank may be better when relationship assets, complex ownership, or customized large-balance underwriting matter more than broker access ^[49].

Another non-QM broker or lender may be better if it offers clearer pricing, broader state coverage, higher investment-property LTV, or more favorable treatment of business deposits ^[49]. A direct lender with a published rate sheet may be preferable if transparent pricing and fee certainty matter more than the range of loan sizes ^[38].

Questions to ask before choosing a lender

Questions explored

• What should a self-employed investor confirm with Lendmire before signing anything for a rental purchase?
• Which lender will actually fund a Lendmire bank statement loan, and who makes the final credit decision?

The supplied research surfaced a consistent verification list. Buyers should confirm:

1. Which wholesale lender will make the loan, whether that lender is licensed in both the borrower's state and the property's state, and who holds final credit authority ^[49].
2. Whether the rental purchase qualifies using 12 months or requires 24 months of statements ^[10].
3. How business deposits will be adjusted for ownership percentage, expenses, transfers, taxes, and intercompany movements ^[8].
4. Whether personal statements are accepted for deposits from an operating business, and what supporting documentation is required ^[9].
5. The exact maximum LTV for the specific property value, loan amount, occupancy, unit count, property type, and credit score ^[49].
6. The reserve requirement, including additional reserves for existing financed rentals ^[24].
7. Whether LLC or corporation vesting, short-term rentals, multifamily properties, and investment-property cash-out proceeds are eligible ^[15].
8. The rate, APR, points, broker compensation, underwriting fee, appraisal fee, rate-lock fee, and estimated closing costs ^[49].
9. Whether a prepayment penalty applies, for how long, and under what terms ^[45].
10. Whether Lendmire can provide competing written Loan Estimates from multiple lenders for the same scenario ^[49].
11. What happens if the selected lender changes guidelines, declines the file, or the appraisal does not support the requested leverage ^[49].
12. Whether the target property's rental income would qualify more cleanly through DSCR, and whether starting with bank statement qualification and refinancing to DSCR later is viable ^[15].

The consensus assessment

Mixed fit. Lendmire is relevant and potentially useful for a self-employed rental buyer who specifically needs bank statement underwriting, especially at larger balances and with strong deposits, credit, and reserves. It is not demonstrably the best choice. Investment-property leverage can be modest at larger loan sizes, pricing and fees are not publicly transparent, and final terms depend on an unidentified wholesale lender. Lendmire's own published guidance repeatedly steers rental investors toward DSCR instead. Treat it as a broker worth obtaining a written quote from, not as a verified lowest-cost or highest-leverage lender.

How This Review Was Produced

This review was produced from a structured research run dated 2026-09-30 in which seven AI platforms were asked to recommend providers for a self-employed investor purchasing a rental property using 12–24 months of business or personal bank statements. Lendmire was named by two of the seven platforms during ranking discovery and finished ninth overall. Each platform supplied fit assessments, use-case findings, pricing notes, verification questions, and citations. This article evaluates Lendmire only for the bank statement loan for self-employed rental purchase use case, not as a broad company review. The wider set of lenders evaluated for this buyer profile is catalogued in the investment property and non qm mortgage lenders directory.

Research limitations

Several limitations apply and should be weighed before acting on this review.

Company-owned citations dominate. Of the deduplicated citations, 44 are company-owned and 8 are independent. Most factual claims about Lendmire's programs originate from Lendmire's own pages and should not be described as independently verified.

Platform-reported research dates differ from the run date. The authoritative study date is 2026-09-30. Deepseek's platform-reported research date was 2026-06-12, and DeepSeek ran without search enabled, so its findings reflect a narrower evidence base.

Citations are platform-reported evidence, not verified facts. The supplied URLs were collected from platform responses and were not independently validated at the writing stage.

Conflicts were not resolved by guessing. Lendmire pages describe different loan ceilings depending on whether the page refers to the standard program, portfolio program, published super-jumbo ladder, or case-by-case review. Pages describe both 12- and 24-month options while other guidance characterizes 12 months as the common network floor. Published leverage tables are program-level illustrations, not approval commitments or borrower-specific quotes.

No independent verification of outcomes. No independent evidence was found confirming actual approval rates, closing outcomes, or the competitiveness of Lendmire's pricing.

Unclear eligibility details. The exact requirements for rental-property entity vesting, property type, number of units, short-term rentals, and multiple financed properties remain unclear from the reviewed sources.

Platform agreement is not quality proof. That multiple platforms described the same program mechanics reflects shared source material, not independent confirmation that Lendmire's terms are favorable.

See the broader Self-Employed Investors Buying Rental Property consensus index for comparisons across qualified options.

Sources

Company-Owned Sources

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2. Bank Statement Loans - LendSure Mortgage Corp: https://lendsure.com/specialty-loan-solutions/bank-statement-loans/
3. Lendmire- Mortgage Experts, Admiring You: https://www.lendmire.com/
4. Shopping For A Home In September 2026: https://www.lendmire.com/a-step-by-step-guide-to-shopping-for-a-home/
5. Bank Statement Loan Reserves By Property Type And Loan Size - Lendmire: https://www.lendmire.com/bank-statement-loan-reserves-by-property-type-and-loan-size/
6. Bank Statement Loans For Investment Property Buyers - Lendmire: https://www.lendmire.com/bank-statement-loans-for-investment-property-buyers/
7. Super Jumbo Bank Statement Loans In Charleston: https://www.lendmire.com/bank-statement-loans-in-charleston/
8. Bank Statement Loans in Virginia | Self-Employed: https://www.lendmire.com/bank-statement-loans-virginia/
9. Bank Statement Loans: The Complete Guide for Self-Employed Borrowers (2026: https://www.lendmire.com/bank-statement-loans/
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11. Bank Statement Mortgage Loans For Self Employed: https://www.lendmire.com/bank-statement-mortgage-loans-for-self-employed/
12. Business Loan Months Bank Statements Mortgage | Lendmire: https://www.lendmire.com/business-loan-months-bank-statements-mortgage/
13. Business Vs Personal Statements On A Bank Statement Loan With K-1 Income - Lendmire: https://www.lendmire.com/business-vs-personal-statements-on-a-bank-statement-loan-with-k-1-income/
14. Does Bank Statement Loan LTV Change By Occupancy And Loan Tier? - Lendmire: https://www.lendmire.com/does-bank-statement-loan-ltv-change-by-occupancy-and-loan-tier/
15. DSCR Loan vs Bank Statement Loan for Investors: https://www.lendmire.com/dscr-loan-vs-bank-statement-loan-for-investors/
16. How To Get A Super Jumbo Bank Statement Loan With A New Business: https://www.lendmire.com/get-a-super-jumbo-bank-statement/
17. How A Bank Statement Lender Sets Reserves By Loan Size On A Second Home? - Lendmire: https://www.lendmire.com/how-a-bank-statement-lender-sets-reserves-by-loan-size-on-a-second-home/
18. How A Founder Reserves A Super Jumbo Bank Statement Loan On Invested Assets? - Lendmire: https://www.lendmire.com/how-a-founder-reserves-a-super-jumbo-bank-statement-loan-on-invested-assets/
19. How A Super Jumbo Bank Statement Lender Nets Out Transfer Deposits? - Lendmire: https://www.lendmire.com/how-a-super-jumbo-bank-statement-lender-nets-out-transfer-deposits/
20. How A Super Jumbo Bank Statement Loan Adjusts Income When Expenses Are High? - Lendmire: https://www.lendmire.com/how-a-super-jumbo-bank-statement-loan-adjusts-income-when-expenses-are-high/
21. How A Super Jumbo Bank Statement Loan Handles IO Reset? - Lendmire: https://www.lendmire.com/how-a-super-jumbo-bank-statement-loan-handles-io-reset/
22. How A Super Jumbo Bank Statement Loan Traces Large Deposits? - Lendmire: https://www.lendmire.com/how-a-super-jumbo-bank-statement-loan-traces-large-deposits/
23. How loan processors review bank statements: https://www.lendmire.com/how-do-loan-processors-look-at-bank-statements-and-how-far-back/
24. How Reserves Are Counted By Loan Size On A Bank Statement Mortgage? - Lendmire: https://www.lendmire.com/how-reserves-are-counted-by-loan-size-on-a-bank-statement-mortgage/
25. How To Cash Out A Rental Property On Bank Statements - Lendmire: https://www.lendmire.com/how-to-cash-out-a-rental-property-on-bank-statements/
26. How To Document A Large Deposit On A Bank Statement Loan - Lendmire: https://www.lendmire.com/how-to-document-a-large-deposit-on-a-bank-statement-loan/
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31. LTV And Reserve Rules For A Bank Statement Investment: https://www.lendmire.com/ltv-and-reserve-rules-for-a-bank-statement/
32. How To Qualify For A Super Jumbo Bank Statement Loan As: https://www.lendmire.com/qualify-for-a-super-jumbo-bank-statement-loan/
33. Self-Employed & High Net Worth Mortgages to $30M: https://www.lendmire.com/self-employed-mortgages/
34. State Licensing | Where Lendmire is Licensed: https://www.lendmire.com/statelicensing/
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36. Super Jumbo Bank Statement Loan Requirements For Loan-out: https://www.lendmire.com/super-jumbo-bank-statement-loan-requirements-for-loan-out/
37. Super Jumbo Bank Statement Loans in Houston, Texas: https://www.lendmire.com/super-jumbo-bank-statement-loans-houston-texas/
38. Super Jumbo Bank Statement Loans In Louisiana - Lendmire: https://www.lendmire.com/super-jumbo-bank-statement-loans-in-louisiana/
39. Super Jumbo Bank Statement Loans In Mississippi: https://www.lendmire.com/super-jumbo-bank-statement-loans-in-mississippi/
40. Super Jumbo Bank Statement Loans in Seattle, Washington: https://www.lendmire.com/super-jumbo-bank-statement-loans-seattle-washington/
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42. What Is A Super Jumbo Bank Statement Mortgage?: https://www.lendmire.com/super-jumbo-bank-statement-mortgage/
43. What Qualifies You For A Bank Statement Loan: https://www.lendmire.com/you-for-a-bank-statement-loan/
44. Official pricing and terms source: https://www.lendmire.com/terms-and-conditions/

Independent Sources

45. Bank Statement Loans FAQ | Self-Employed Mortgages: https://jd.mortgage/bank-statement-loans-faq/
46. Bank Statement Loan | Mbanc: https://mbanc.com/blog/bank-statement-loan-real-estate-investors/
47. Bank Statement Loans in Georgia | Truss Financial Group: https://trussfinancialgroup.com/georgia-mortgage-lender/bank-statement-loans
48. How much does it cost to receive a Loan Estimate?: https://www.consumerfinance.gov/ask-cfpb/how-much-does-it-cost-to-receive-a-loan-estimate-en-2003/
49. Loan estimate explainer: https://www.consumerfinance.gov/owning-a-home/loan-estimate/
50. Today's Mortgage Rates : Daily Index: https://www.mortgagenewsdaily.com/mortgage-rates
51. Bank Statement Loans Up to $30 Million: Lendmire Announces High-Net-Worth Financing: https://www.prnewswire.com/news-releases/bank-statement-loans-up-to-30-million-lendmire-announces-high-net-worth-financing-302253910.html
52. Bank Statement Loans Up to $30 Million: Lendmire Announces High-Net-Worth Financing: https://www.prnewswire.com/news-releases/bank-statement-loans-up-to-30-million-lendmire-announces-high-net-worth-financing-302885150.html