Very few banks offer Jumbo financing in that price range with only 10% down to clients who have easily verifiable income. My bank is one of only 3 that I know of. Depending on how your losses were claimed you may be fine, itâ€™s hard to tell without looking at your tax returns. Depreciation can be added back in and shown as income for loan qualification purposes. Most lenders will view reinvestment as a business expense and therefor a loss, however there are some exceptions to this rule. My bank also offers a "bank statement" loan where we use 2 years of bank deposits rather than your tax returns to determine your income, this was designed specifically for the Self Employed borrower. We do require a 20% down payment for this product. I'd be happy to take a look at the specifics of your situation and see if we have a program that would help you achieve your specific financial goals.