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 5/10/2026A DSCR program for investment properties that allows qualification using a combination of rental income and asset utilization, requiring no personal income documentation.
Non-QM Investor Loan
confirmed 5/10/2026A 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 5/21/2026A DSCR loan program for foreign national investors on 1-4 unit investment properties, offering up to 75% LTV and credit scores starting at 680.
DSCR Loan for Investment Properties
confirmed 5/20/2026A 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%.
DSCR Loan for Investment Properties
confirmed 5/20/2026An 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.
DSCR Loan for Investment Properties
confirmed 5/20/2026DSCR investor loan for short-term rental properties, allowing up to 80% LTV for purchase and rate-term refinances with no limit on financed properties.
DSCR Loan for Investment Properties
confirmed 5/19/2026A DSCR investment property loan that allows for asset utilization to meet qualifying requirements, suitable for investors who need higher LTV options.
DSCR Loan for Investment Properties
confirmed 5/19/2026Hybrid investment property loan that combines rental income and personal assets to qualify for financing.
Non-QM Investor Loan
confirmed 5/19/2026A 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 5/19/2026A flexible DSCR loan program for investment properties with no minimum DSCR requirement, allowing for negative cash flow and short-term rental income.
DSCR Loan for Investment Properties
confirmed 5/14/2026A 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.
Bank Statement Loan
confirmed 5/11/2026Jumbo loan program offering bank statement income qualification for primary, second, and investment properties with LTVs up to 85%.
Jumbo Investor Loan
confirmed 5/11/2026Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million and LTVs up to 89.99%.
Fix & Flip Loan for Investors
confirmed 5/11/2026Flexible fix and flip financing for 1-4 family properties, including manufactured homes and rural properties, with no income or reserves required.
Non-QM Investor Loan
confirmed 5/11/2026A suite of Non-QM loan products including bank statement, DSCR, ITIN, and jumbo options with lender-paid compensation available.
Bank Statement Loan
confirmed 5/10/2026Flexible 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.
Non-QM Investor Loan
confirmed 5/22/2026A 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.
Jumbo Investor Loan
confirmed 5/11/2026Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million and LTVs up to 89.99%.
DSCR Loan for Investment Properties
confirmed 5/13/2026Investor-focused DSCR program for residential properties, including non-warrantable condos and multi-unit properties, with no income ratio requirements.
Specialized Investor Loan Program
confirmed 5/10/2026Small-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.
Non-QM Investor Loan
confirmed 5/20/2026Super prime loan program for investment properties and second homes offering up to 85% CLTV for qualified borrowers with FICO scores of 700 and above.
ITIN Loan Program
confirmed 5/20/2026Non-QM ITIN loan program for purchase and cash-out refinance, offering up to 85% LTV and loan amounts up to $1.5 million.
Bridge Loan for Investors
confirmed 5/20/2026A 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.
DSCR Loan for Investment Properties
confirmed 5/20/2026A 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.
Bridge Loan for Investors
confirmed 5/20/2026Short-term bridge financing for investment properties including SFR, multi-family, retail, and industrial assets with no appraisal required.
Specialized Investor Loan Program
confirmed 5/10/2026A 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.
DSCR Loan for Investment Properties
confirmed 5/19/2026A 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.
Bridge Loan for Investors
confirmed 5/19/2026A 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 5/19/2026DSCR loan program for investment properties with specific broker-focused underwriting.
DSCR Loan for Investment Properties
confirmed 5/19/2026DSCR loan program for residential 1-4 unit, multifamily, and mixed-use investment properties.
Fix & Flip Loan for Investors
confirmed 5/19/2026A fix and flip loan for seasoned investors performing light rehab projects with fast, streamlined approvals.
Non-QM Investor Loan
confirmed 5/18/2026Non-QM loan program utilizing profit and loss statements for income qualification.
Fix & Flip Loan for Investors
confirmed 5/11/2026Short-term financing for stalled construction or renovation projects, offering interest-only payments and up to 90% of cost for refinances.
Foreign National Investment Loan
confirmed 5/20/2026A loan program for international buyers seeking U.S. real estate investment or second home opportunities without requiring a U.S. credit score.
Non-QM Investor Loan
confirmed 5/10/2026Financing for non-owner-occupied investment properties offering up to 90% CLTV, including options for seller carrybacks or second liens.
DSCR Loan for Investment Properties
confirmed 5/18/2026A reduced documentation DSCR program for investment properties with no prepayment penalties and loan amounts up to $2.5 million.
Jumbo Investor Loan
confirmed 5/18/2026A full documentation portfolio loan program for primary, second home, and investment properties with loan amounts up to $2.5 million and 80% LTV options.
DSCR Loan for Investment Properties
confirmed 5/18/2026A 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.
Non-QM Investor Loan
confirmed 5/19/2026Income qualification program using profit and loss statements instead of bank statements.
DSCR Loan for Investment Properties
confirmed 5/15/2026DSCR-based financing for mixed-use (2-8 units) and residential (5-10 units) investment properties with loan amounts up to $3M.
DSCR Loan for Investment Properties
confirmed 5/15/2026A flexible DSCR loan program for investment properties, offering options for no-ratio qualification, various prepayment penalty terms, and support for short-term rentals.
Non-QM Investor Loan
confirmed 5/15/2026A Non-QM program featuring a simplified 4-question Streamline WVOE for income qualification, available for purchase, refinance, and investment properties.
DSCR Loan for Investment Properties
confirmed 5/12/2026A non-QM investment property loan that qualifies using rental income and asset utilization, requiring no personal income documentation.
DSCR Loan for Investment Properties
confirmed 5/22/2026A DSCR loan program for investment properties, including short-term rentals, offering up to 85% LTV and flexible qualification options like interest-only payments.
Non-QM Investor Loan
confirmed 5/16/2026A 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.
ITIN Loan Program
confirmed 5/11/2026Non-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.
Jumbo Investor Loan
confirmed 5/13/2026High-balance jumbo loan program for primary, second, and investment properties with loan amounts up to $3.5 million.
Jumbo Investor Loan
confirmed 5/13/2026High-LTV jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million.
Jumbo Investor Loan
confirmed 5/13/2026Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million, available for purchase and refinance.
DSCR Loan for Investment Properties
confirmed 5/15/2026A loan program for real estate investors that allows qualification based on the anticipated income from the subject property.
Non-QM Investor Loan
confirmed 5/18/2026A limited documentation Non-QM program that allows borrowers to qualify using a simplified written verification of employment form without requiring detailed income breakdowns.
DSCR Loan for Investment Properties
confirmed 5/11/2026A 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.
DSCR Loan for Investment Properties
confirmed 5/22/2026A 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.
DSCR Loan for Investment Properties
confirmed 5/11/2026DSCR loan program for investment properties featuring expanded eligibility for first-time homebuyers and no sourcing required for large deposits.
DSCR Loan for Investment Properties
confirmed 5/14/202630-year fixed investment property loan utilizing DSCR for qualification, allowing for market rents to be used for cash flow purposes.
DSCR Loan for Investment Properties
confirmed 5/10/2026Debt Service Coverage Ratio loan for investment properties with no ratio options available and LTVs up to 85%.
Specialized Investor Loan Program
confirmed 5/10/2026A commercial ground-up construction loan for multi-family projects up to 10 units, designed for investors of all experience levels.
DSCR Loan for Investment Properties
confirmed 5/10/2026Investor-focused loan program qualifying based on subject property cash flow with no income or employment verification required.
DSCR Loan for Investment Properties
confirmed 5/10/2026DSCR loan program for residential 1-4 unit investment properties, offering multiple series options including Signature, Streamline, and Standard.
Jumbo Investor Loan
confirmed 5/11/2026Jumbo loan program for primary, second, and investment properties with loan amounts up to $3.5 million and LTVs up to 90%.
DSCR Loan for Investment Properties
confirmed 5/10/2026A 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.
Fix & Flip Loan for Investors
confirmed 5/11/2026Fix and flip financing for commercial projects with loan amounts up to $5MM, featuring options for light and heavy rehabs.
ITIN Loan Program
confirmed 5/10/2026ITIN 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.
Non-QM Investor Loan
confirmed 5/12/2026A 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 5/11/2026A DSCR loan program for short-term rental properties like Airbnb and VRBO that qualifies borrowers based on property income without requiring personal income documentation.
DSCR Loan for Investment Properties
confirmed 5/16/2026A true DSCR program with no ratio requirement, allowing for business purpose loans with credit scores as low as 620.
DSCR Loan for Investment Properties
confirmed 5/12/2026A 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.
Non-QM Investor Loan
confirmed 5/22/2026Non-QM loan programs including DSCR for 5-8 units and Jumbo options with pricing improvements available for April.
Bridge Loan for Investors
confirmed 5/21/2026Bridge refinance program for 1-4 unit, multi-family, and mixed-use properties allowing cash out of the entire budget on day one.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan program for rural properties up to 10 acres with loan amounts up to $10MM.
Bank Statement Loan
confirmed 5/21/2026Bank statement loan program for self-employed borrowers with options up to 90% LTV.
Non-QM Investor Loan
confirmed 5/11/2026A 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.
DSCR Loan for Investment Properties
confirmed 5/21/2026DSCR program for investment properties allowing for true business purpose loans without requiring a license.
Bridge Loan for Investors
confirmed 5/10/2026Bridge loan program requiring no income verification or prior experience, with loan amounts up to $3MM.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.
Jumbo Investor Loan
confirmed 5/15/2026Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million, allowing non-warrantable condos.
Jumbo Investor Loan
confirmed 5/15/2026Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million and flexible DTI requirements.
Jumbo Investor Loan
confirmed 5/15/2026High-balance jumbo loan program for primary, second, and investment properties with loan amounts up to $3.5 million.
Jumbo Investor Loan
confirmed 5/15/2026Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million, offering bank statement or full documentation options.
DSCR Loan for Investment Properties
confirmed 5/9/2026A DSCR loan program for residential 5-8 unit investment properties, offering fixed-rate and interest-only options with loan amounts up to $3 million.
DSCR Loan for Investment Properties
confirmed 5/18/2026A 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.
DSCR Loan for Investment Properties
confirmed 5/10/2026A DSCR program for investment properties that allows qualifying using a combination of rental income and asset utilization, including retirement accounts and stocks.
Bank Statement Loan
confirmed 5/10/2026A 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.
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.
Got a jumbo dscr scenario?
Tell us the deal - we'll match you with the right lender and come back with current pricing.
Related programs
No-Ratio DSCR Loans (No DSCR Minimum)
No-ratio DSCR investment property loans. Qualify even if rent does not cover the mortgage payment. Higher down payment in exchange.
Apartment Building Loans for Investors (5-50 Units)
Apartment building loans for 5-50 unit multifamily investors. DSCR-style underwriting, no personal income docs, LLC vesting standard. Nationwide.