Yes — most bank statement Non-QM programs require liquid reserves equal to months of PITIA left after closing, separate from your down payment and closing costs.
Not the same dollars as your down payment — investors want cushion left after you fund.
Reserves are usually measured as months of principal, interest, taxes, insurance, and HOA dues on the subject loan.
Underwriters verify balances remaining after earnest money, down payment, and closing costs clear.
Cash and near-cash accounts count cleanest. Illiquid equity rarely helps until converted.
Lower credit, investment occupancy, or larger loan amounts can push reserve months higher.
Common Non-QM bank statement patterns — your matched investor may differ.
Primary residence
Often 2–6 months
Stronger files may land near the low end
Second home
Often higher
Two housing payments drive cushion needs
Investment
Often 6+ months
Plus other financed property overlays
What counts
Liquid accounts
Brokerage and retirement haircuts apply
Gift funds
Limited for reserves
Borrower-owned cash preferred
Timing
Seasoned balances
Fresh large deposits need LOX
Reserve months and eligible asset types are investor-specific and can change without notice.
Ryan & Steve map down payment, closing costs, and reserve months against your actual accounts before you write an offer.
We flag retirement haircuts, business-account ownership proof, and large-deposit seasoning so underwriting does not stall mid-file.
If reserves are thin, we look at larger down payment trade-offs, a different occupancy program, or timing to build cash — not a surprise denial later.
Reserve checklist
Related bank statement guides and Non-QM resources from Ryan & Steve.
Plan equity and reserves together so cash-to-close is realistic.
How score tiers interact with LTV and reserve overlays.
Asset statements you will need to prove reserves.
Full program hub with guidelines and Get Pre-Approved CTAs.
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Yes — most bank statement Non-QM investors require months of PITIA reserves remaining in liquid accounts after closing. Typical ranges run about 2–6 months depending on loan size, occupancy, and credit. Guidelines vary by investor.
Checking, savings, money market, and brokerage accounts usually count. Retirement accounts may count with a haircut. Funds used for down payment and closing costs do not also count as reserves.
Often yes. Investment and second-home bank statement files commonly require more months of PITIA or higher total reserve dollars than a primary residence.
Sometimes for down payment, but many investors still want borrower-owned reserves after closing. Gift documentation rules are product-specific — we confirm before you rely on gifted cash.
Ryan & Steve will size your bank statement reserve requirement against your real accounts before you apply.