In a chart, compare each lenders minimum expense ratio for a Bank Statement Loan

Here is a comparison chart of the minimum expense ratios for Bank Statement loans across the supported lenders:

Lender	Minimum Expense Ratio	Notes
Arc Home	15%	Applies when specific conditions, such as having a CPA-prepared expense statement, are met.
A&D Mortgage	Not Specified	No minimum expense ratio is explicitly mentioned for Bank Statement loans.
AmWest	Not Specified	No minimum expense ratio is explicitly mentioned for Bank Statement loans.
Champions Funding	Not Specified	No minimum expense ratio is explicitly mentioned for Bank Statement loans.
Change Wholesale	10%	Applies to the `Alt Doc Expanded` program for 1099 income. Other programs do not specify.
Deephaven	50%	Applies to the Non-Prime and Expanded Prime programs.
Newfi Lending	5%	Applies to the Rainier program with a third-party prepared Business Expense Statement or P&L.
FundLoans	20%	Applies to the Aspire X and Apex Prime programs.
Angel Oak	15%	Applies to the Bank Statement program with a CPA or tax preparer statement.
UWM	10%	Applies to CPA-provided ratios. Fixed expense ratios default to 50%.

Lowest Expense Ratio: Newfi Lending at 5% (with specific documentation).
Highest Expense Ratio: Deephaven at 50%.
Common Range: Most lenders fall between 10%-20%, depending on program requirements and documentation.

Let me know if you'd like more details about any specific lender or program!

Review the updated loan scenario and answer again.

Here is an updated comparison chart of the minimum expense ratios for Bank Statement loans under the updated loan scenario:

Lender	Minimum Expense Ratio	Notes
Arc Home	15%	Requires a CPA-prepared expense statement.
A&D Mortgage	50%	Lower ratios require a third-party Business Expense Letter or P&L Statement.
AmWest	30%	Requires a Licensed Tax Preparer letter; otherwise, the standard is 50%.
Champions Funding	10%	Applies to personal accounts with no business expenses; otherwise, 50% is standard.
Change Wholesale	20%	Requires a CPA or Licensed Tax Preparer letter; otherwise, 50% is standard.
Deephaven	50%	Fixed ratio unless a third-party prepared expense statement is provided.
Newfi Lending	50%	Lower ratios may be allowed with a CPA-prepared P&L or expense statement.
FundLoans	20%-50%	Varies by business type and number of employees.
Angel Oak	15%	Requires a CPA or tax preparer statement for ratios below 50%.
UWM	10%	Requires a CPA-provided ratio; otherwise, 50% is standard.

Lowest Expense Ratio: Champions Funding and UWM at 10% (with specific documentation).
Highest Expense Ratio: Deephaven and Newfi Lending at 50% (fixed unless documentation is provided).
Common Range: Most lenders fall between 15%-30%, depending on program requirements and documentation.

Let me know if you'd like more details about any specific lender or program!