Jumbo DSCR Loans for Large Investment Properties

Jumbo DSCR loans cover investment properties priced above standard agency limits - typically $1M to $25M+, sometimes higher with institutional channels. Same investor-friendly underwriting as standard DSCR (qualify off rent, no personal income docs, LLC vesting), with adjusted LTV ceilings and reserve requirements scaled to the larger loan size.

Highlights

  • Loan amounts $1M to $25M+
  • No personal income or tax returns required
  • Up to 75% LTV purchase, 70% LTV cash-out (FICO/property dependent)
  • LLC vesting standard
  • Reserves typically 6-12 months PITIA
  • Available in all 50 states

Who it's for

Investors purchasing or refinancing high-value rental properties: luxury single-family rentals, large multifamily, premium coastal/resort STR, and portfolio buyouts in expensive markets (CA, NY, MA, WA, HI).

Active programs that fit

DSCR Loan for Investment Properties

confirmed 5/10/2026

A DSCR program for investment properties that allows qualification using a combination of rental income and asset utilization, requiring no personal income documentation.

FICO 680+LTV up to 80%dscr-only, asset-depletion

Non-QM Investor Loan

confirmed 5/10/2026

A suite of Non-QM loan products offering lender-paid compensation up to 2.75% across various programs including bank statement, DSCR, and jumbo options.

DSCR Loan for Investment Properties

confirmed 5/21/2026

A DSCR loan program for foreign national investors on 1-4 unit investment properties, offering up to 75% LTV and credit scores starting at 680.

FICO 680+LTV up to 75%DSCR 1+dscr-only

DSCR Loan for Investment Properties

confirmed 5/20/2026

A DSCR loan program for foreign national investors on 1-4 unit investment properties, offering loan amounts up to $2 million and LTVs up to 75%.

FICO 680+LTV up to 75%DSCR 1+dscr-only

DSCR Loan for Investment Properties

confirmed 5/20/2026

An investment property loan program that qualifies based on the higher of the 1007 rent schedule or lease agreement, with asset depletion options for low DSCR.

LTV up to 85%dscr-only, asset-depletion

DSCR Loan for Investment Properties

confirmed 5/20/2026

DSCR investor loan for short-term rental properties, allowing up to 80% LTV for purchase and rate-term refinances with no limit on financed properties.

FICO 620+LTV up to 80%dscr-only

DSCR Loan for Investment Properties

confirmed 5/19/2026

A DSCR investment property loan that allows for asset utilization to meet qualifying requirements, suitable for investors who need higher LTV options.

LTV up to 80%DSCR 1.15+dscr-only, asset-depletion

DSCR Loan for Investment Properties

confirmed 5/19/2026

Hybrid investment property loan that combines rental income and personal assets to qualify for financing.

FICO 680+LTV up to 80%dscr-only, asset-depletion

Non-QM Investor Loan

confirmed 5/19/2026

A fast-closing loan program designed for real estate investors, offering loan amounts up to $2.5 million with closing times as short as 7 business days.

DSCR Loan for Investment Properties

confirmed 5/19/2026

A flexible DSCR loan program for investment properties with no minimum DSCR requirement, allowing for negative cash flow and short-term rental income.

FICO 640+dscr-only

DSCR Loan for Investment Properties

confirmed 5/14/2026

A non-QM DSCR program for investors, including first-time investors, that allows for negative cash flow properties and offers flexible qualification options like asset utilization.

FICO 620+LTV up to 85%dscr-only, alt-doc

Bank Statement Loan

confirmed 5/11/2026

Jumbo loan program offering bank statement income qualification for primary, second, and investment properties with LTVs up to 85%.

FICO 680+LTV up to 85%12mo-bank-stmt, 24mo-bank-stmt

Jumbo Investor Loan

confirmed 5/11/2026

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million and LTVs up to 89.99%.

FICO 660+LTV up to 89.99%full-doc

Fix & Flip Loan for Investors

confirmed 5/11/2026

Flexible fix and flip financing for 1-4 family properties, including manufactured homes and rural properties, with no income or reserves required.

FICO 500+LTV up to 70%no-income

Non-QM Investor Loan

confirmed 5/11/2026

A suite of Non-QM loan products including bank statement, DSCR, ITIN, and jumbo options with lender-paid compensation available.

LTV up to 85%alt-doc, 12mo-bank-stmt

Bank Statement Loan

confirmed 5/10/2026

Flexible income qualification options including bank statements, 1099s, and tax returns for primary residences, second homes, and investment properties with loan amounts up to $3.5M.

LTV up to 90%12mo-bank-stmt, 24mo-bank-stmt

Non-QM Investor Loan

confirmed 5/22/2026

A non-QM program for self-employed borrowers that uses a CPA, EA, or CTEC-prepared profit and loss statement to determine income, eliminating the need for bank statements.

FICO 660+LTV up to 85%p-and-l

Jumbo Investor Loan

confirmed 5/11/2026

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million and LTVs up to 89.99%.

FICO 660+LTV up to 89.99%full-doc

DSCR Loan for Investment Properties

confirmed 5/13/2026

Investor-focused DSCR program for residential properties, including non-warrantable condos and multi-unit properties, with no income ratio requirements.

FICO 620+LTV up to 85%dscr-only

Specialized Investor Loan Program

confirmed 5/10/2026

Small-balance commercial mortgage program offering 5-year ARM or 30-year fixed terms for purchase, rate-term, and cash-out refinances on Tier 1 and Tier 2 commercial properties.

FICO 650+LTV up to 80%DSCR 1.15+

Non-QM Investor Loan

confirmed 5/20/2026

Super prime loan program for investment properties and second homes offering up to 85% CLTV for qualified borrowers with FICO scores of 700 and above.

FICO 660+

ITIN Loan Program

confirmed 5/20/2026

Non-QM ITIN loan program for purchase and cash-out refinance, offering up to 85% LTV and loan amounts up to $1.5 million.

FICO 660+LTV up to 85%alt-doc, full-doc

Bridge Loan for Investors

confirmed 5/20/2026

A short-term bridge loan with terms ranging from 12 to 24 months, designed for investors with at least 2 years of experience. This program does not require a DSCR calculation and offers up to 80% LTV.

FICO 700+LTV up to 80%

DSCR Loan for Investment Properties

confirmed 5/20/2026

A 30 or 40-year fixed-term bridge loan for investment properties that requires a DSCR of at least 0.80. This program allows for up to 80% LTV and is available for single-family homes, 2-4 units, non-warrantable condos, and condotels.

FICO 660+LTV up to 80%DSCR 0.8+dscr-only

Bridge Loan for Investors

confirmed 5/20/2026

Short-term bridge financing for investment properties including SFR, multi-family, retail, and industrial assets with no appraisal required.

LTV up to 65%no-doc

Specialized Investor Loan Program

confirmed 5/10/2026

A specialized financing program for senior care housing properties, offering 30-year fixed terms and up to 75% LTV for purchase and cash-out refinance transactions.

LTV up to 75%

DSCR Loan for Investment Properties

confirmed 5/19/2026

A DSCR-based loan program for short-term rental investors, allowing for purchase, rate and term, and cash-out refinances on 1-4 family properties and condos.

FICO 620+LTV up to 80%dscr-only

Bridge Loan for Investors

confirmed 5/19/2026

A short-term financing solution for real estate investors to manage multiple projects and property acquisitions with a line of credit available for up to twelve months.

DSCR Loan for Investment Properties

confirmed 5/19/2026

DSCR loan program for investment properties with specific broker-focused underwriting.

dscr-only

DSCR Loan for Investment Properties

confirmed 5/19/2026

DSCR loan program for residential 1-4 unit, multifamily, and mixed-use investment properties.

dscr-only

Fix & Flip Loan for Investors

confirmed 5/19/2026

A fix and flip loan for seasoned investors performing light rehab projects with fast, streamlined approvals.

FICO 650+LTV up to 90%full-doc

Non-QM Investor Loan

confirmed 5/18/2026

Non-QM loan program utilizing profit and loss statements for income qualification.

FICO 600+LTV up to 90%p-and-l

Fix & Flip Loan for Investors

confirmed 5/11/2026

Short-term financing for stalled construction or renovation projects, offering interest-only payments and up to 90% of cost for refinances.

FICO 660+LTV up to 90%

Foreign National Investment Loan

confirmed 5/20/2026

A loan program for international buyers seeking U.S. real estate investment or second home opportunities without requiring a U.S. credit score.

alt-doc

Non-QM Investor Loan

confirmed 5/10/2026

Financing for non-owner-occupied investment properties offering up to 90% CLTV, including options for seller carrybacks or second liens.

LTV up to 90%

DSCR Loan for Investment Properties

confirmed 5/18/2026

A reduced documentation DSCR program for investment properties with no prepayment penalties and loan amounts up to $2.5 million.

dscr-only

Jumbo Investor Loan

confirmed 5/18/2026

A full documentation portfolio loan program for primary, second home, and investment properties with loan amounts up to $2.5 million and 80% LTV options.

LTV up to 80%full-doc

DSCR Loan for Investment Properties

confirmed 5/18/2026

A business purpose DSCR loan for investment properties that does not require personal income documentation or a mortgage license. The program allows for up to 85% LTV on purchases and rate-term refinances with a minimum FICO of 620.

FICO 620+LTV up to 85%dscr-only

Non-QM Investor Loan

confirmed 5/19/2026

Income qualification program using profit and loss statements instead of bank statements.

FICO 660+LTV up to 80%p-and-l

DSCR Loan for Investment Properties

confirmed 5/15/2026

DSCR-based financing for mixed-use (2-8 units) and residential (5-10 units) investment properties with loan amounts up to $3M.

FICO 720+LTV up to 75%DSCR 1+dscr-only

DSCR Loan for Investment Properties

confirmed 5/15/2026

A flexible DSCR loan program for investment properties, offering options for no-ratio qualification, various prepayment penalty terms, and support for short-term rentals.

FICO 640+LTV up to 80%DSCR 0.75+dscr-only

Non-QM Investor Loan

confirmed 5/15/2026

A Non-QM program featuring a simplified 4-question Streamline WVOE for income qualification, available for purchase, refinance, and investment properties.

FICO 660+LTV up to 80%wvoe

DSCR Loan for Investment Properties

confirmed 5/12/2026

A non-QM investment property loan that qualifies using rental income and asset utilization, requiring no personal income documentation.

FICO 680+LTV up to 80%dscr-only, asset-depletion

DSCR Loan for Investment Properties

confirmed 5/22/2026

A DSCR loan program for investment properties, including short-term rentals, offering up to 85% LTV and flexible qualification options like interest-only payments.

LTV up to 85%dscr-only

Non-QM Investor Loan

confirmed 5/16/2026

A non-QM loan program for self-employed borrowers that uses unaudited profit and loss statements to verify income instead of bank statements or tax returns.

FICO 660+LTV up to 80%p-and-l

ITIN Loan Program

confirmed 5/11/2026

Non-QM loan program for ITIN borrowers offering up to 85% LTV for purchases and 65% LTV for cash-out refinances with loan amounts up to $1.5 million.

FICO 660+LTV up to 85%alt-doc

Jumbo Investor Loan

confirmed 5/13/2026

High-balance jumbo loan program for primary, second, and investment properties with loan amounts up to $3.5 million.

FICO 660+LTV up to 90%

Jumbo Investor Loan

confirmed 5/13/2026

High-LTV jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million.

FICO 660+LTV up to 89.99%

Jumbo Investor Loan

confirmed 5/13/2026

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million, available for purchase and refinance.

FICO 660+LTV up to 80%

DSCR Loan for Investment Properties

confirmed 5/15/2026

A loan program for real estate investors that allows qualification based on the anticipated income from the subject property.

LTV up to 80%dscr-only

Non-QM Investor Loan

confirmed 5/18/2026

A limited documentation Non-QM program that allows borrowers to qualify using a simplified written verification of employment form without requiring detailed income breakdowns.

FICO 660+wvoe

DSCR Loan for Investment Properties

confirmed 5/11/2026

A non-QM investment property loan program for residential properties with 5 to 8 units, offering fixed-rate terms and requiring a minimum DSCR of 1.00.

FICO 680+dscr-only

DSCR Loan for Investment Properties

confirmed 5/22/2026

A comprehensive suite of Non-QM loan products including bank statement, DSCR, P&L only, and ITIN options with up to 85% LTV and loan amounts up to $4 million.

LTV up to 85%alt-doc, dscr-only

DSCR Loan for Investment Properties

confirmed 5/11/2026

DSCR loan program for investment properties featuring expanded eligibility for first-time homebuyers and no sourcing required for large deposits.

FICO 700+LTV up to 80%DSCR 1+dscr-only

DSCR Loan for Investment Properties

confirmed 5/14/2026

30-year fixed investment property loan utilizing DSCR for qualification, allowing for market rents to be used for cash flow purposes.

LTV up to 80%DSCR 0.75+dscr-only

DSCR Loan for Investment Properties

confirmed 5/10/2026

Debt Service Coverage Ratio loan for investment properties with no ratio options available and LTVs up to 85%.

FICO 620+LTV up to 85%dscr-only

Specialized Investor Loan Program

confirmed 5/10/2026

A commercial ground-up construction loan for multi-family projects up to 10 units, designed for investors of all experience levels.

FICO 650+LTV up to 85%

DSCR Loan for Investment Properties

confirmed 5/10/2026

Investor-focused loan program qualifying based on subject property cash flow with no income or employment verification required.

LTV up to 80%dscr-only

DSCR Loan for Investment Properties

confirmed 5/10/2026

DSCR loan program for residential 1-4 unit investment properties, offering multiple series options including Signature, Streamline, and Standard.

dscr-only

Jumbo Investor Loan

confirmed 5/11/2026

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3.5 million and LTVs up to 90%.

FICO 660+LTV up to 90%full-doc

DSCR Loan for Investment Properties

confirmed 5/10/2026

A flexible investment property loan program that allows for negative DSCR ratios, high leverage, and the use of asset depletion to qualify, with options for ITIN and foreign national borrowers.

FICO 620+LTV up to 80%DSCR 0.75+dscr-only, asset-depletion

Fix & Flip Loan for Investors

confirmed 5/11/2026

Fix and flip financing for commercial projects with loan amounts up to $5MM, featuring options for light and heavy rehabs.

FICO 620+LTV up to 70%full-doc

ITIN Loan Program

confirmed 5/10/2026

ITIN loan program for purchase and rate-term refinances with options for self-employed or W-2 borrowers, as well as DSCR options for investment properties.

FICO 660+LTV up to 85%12mo-bank-stmt, p-and-l

Non-QM Investor Loan

confirmed 5/12/2026

A variety of non-QM loan options including closed-end seconds, DSCR, and jumbo products with pricing improvements for the month of May.

DSCR Loan for Investment Properties

confirmed 5/11/2026

A DSCR loan program for short-term rental properties like Airbnb and VRBO that qualifies borrowers based on property income without requiring personal income documentation.

FICO 620+LTV up to 75%dscr-only

DSCR Loan for Investment Properties

confirmed 5/16/2026

A true DSCR program with no ratio requirement, allowing for business purpose loans with credit scores as low as 620.

FICO 620+LTV up to 85%dscr-only

DSCR Loan for Investment Properties

confirmed 5/12/2026

A 30-year fixed DSCR loan program for 1-4 unit investment properties, including condos and PUDs, requiring no tax returns and offering up to 80% LTV for purchases.

FICO 660+LTV up to 80%dscr-only

Non-QM Investor Loan

confirmed 5/22/2026

Non-QM loan programs including DSCR for 5-8 units and Jumbo options with pricing improvements available for April.

Bridge Loan for Investors

confirmed 5/21/2026

Bridge refinance program for 1-4 unit, multi-family, and mixed-use properties allowing cash out of the entire budget on day one.

FICO 500+LTV up to 50%

Bridge Loan for Investors

confirmed 5/9/2026

Bridge loan program for rural properties up to 10 acres with loan amounts up to $10MM.

FICO 620+LTV up to 70%

Bank Statement Loan

confirmed 5/21/2026

Bank statement loan program for self-employed borrowers with options up to 90% LTV.

FICO 600+LTV up to 90%12mo-bank-stmt, 3mo-bank-stmt

Non-QM Investor Loan

confirmed 5/11/2026

A non-QM loan program for self-employed borrowers that uses unaudited profit and loss statements for income qualification, requiring no bank statements or tax returns.

FICO 660+LTV up to 80%p-and-l

DSCR Loan for Investment Properties

confirmed 5/21/2026

DSCR program for investment properties allowing for true business purpose loans without requiring a license.

FICO 600+LTV up to 85%dscr-only, no-income

Bridge Loan for Investors

confirmed 5/10/2026

Bridge loan program requiring no income verification or prior experience, with loan amounts up to $3MM.

FICO 650+LTV up to 75%no-income

Bridge Loan for Investors

confirmed 5/9/2026

Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.

FICO 620+LTV up to 70%

Jumbo Investor Loan

confirmed 5/15/2026

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million, allowing non-warrantable condos.

FICO 660+LTV up to 80%

Jumbo Investor Loan

confirmed 5/15/2026

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million and flexible DTI requirements.

FICO 660+LTV up to 89.99%

Jumbo Investor Loan

confirmed 5/15/2026

High-balance jumbo loan program for primary, second, and investment properties with loan amounts up to $3.5 million.

FICO 660+LTV up to 90%

Jumbo Investor Loan

confirmed 5/15/2026

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million, offering bank statement or full documentation options.

FICO 680+LTV up to 85%12mo-bank-stmt, 24mo-bank-stmt

DSCR Loan for Investment Properties

confirmed 5/9/2026

A DSCR loan program for residential 5-8 unit investment properties, offering fixed-rate and interest-only options with loan amounts up to $3 million.

FICO 680+dscr-only

DSCR Loan for Investment Properties

confirmed 5/18/2026

A non-QM investment property loan for 5-8 unit residential properties, offering fixed-rate and interest-only options with a minimum DSCR of 1.00.

FICO 680+dscr-only

DSCR Loan for Investment Properties

confirmed 5/10/2026

A DSCR program for investment properties that allows qualifying using a combination of rental income and asset utilization, including retirement accounts and stocks.

FICO 680+LTV up to 80%dscr-only, asset-depletion

Bank Statement Loan

confirmed 5/10/2026

A non-QM bank statement program for service and tip industry workers that uses 12-24 months of bank deposits to calculate income without requiring tax returns.

FICO 600+LTV up to 90%12mo-bank-stmt, 24mo-bank-stmt

Frequently asked questions

What qualifies as a jumbo DSCR loan?

A jumbo DSCR loan is any DSCR loan above the standard $3M-$5M cap most non-QM lenders impose. Truly large loans ($10M+) move into institutional jumbo or commercial DSCR channels.

What FICO is required for jumbo DSCR?

Most jumbo DSCR programs require 720+ FICO for best pricing, with 680-700 accepted at lower LTV (60-65%).

Can I close a jumbo DSCR in an LLC?

Yes. LLC vesting is standard on jumbo DSCR. Some programs require personal guarantee on the larger loan amounts.

What is the maximum loan amount on jumbo DSCR?

Standard non-QM jumbo: up to $5M. Institutional jumbo channels: $10-25M. Above that, commercial DSCR or balance-sheet lenders apply.

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