Current super-jumbo DSCR guidelines, updated from one source.
These figures are read from Lendmire’s centralized super-jumbo DSCR standards source and update automatically when the program changes. Every state and city guide in this series reads the same source.
Program ceiling
This is the balance the program can reach on a strong file; the leverage cell at any size depends on the credit tier and the transaction.
Top purchase leverage
At the first rung of the ladder, purchase and rate-and-term leverage reach this ceiling; above it the ladder steps down.
Full-leverage coverage floor
The full-leverage coverage floor: at or above it, the ladder applies as shown; below it, leverage steps down through the reduced band.
Credit floor
Credit sets which cells of the matrix are open: this floor opens the lower bands, the super-jumbo overlay floor applies above the overlay line, and each band’s best cell carries the credit requirement the ladder table shows.
Cash-out leverage steps down with loan size and stops at this balance; larger requests are purchase or rate-and-term only.
Above this balance every request is reviewed before submission, at reduced leverage.
An interest-only period is available through select programs, with coverage measured on the interest-only payment.
| Loan size | Purchase & rate-and-term | Cash-out | Credit at that leverage |
|---|---|---|---|
| $150,000 – $1M | 80% | 75% | 660+ |
| $1M – $1.5M | 75% | 70% | 700+ |
| $1.5M – $2M | 75% | 60% | 720+ |
| $2M – $3M | 75% | 60% | 720+ |
| $3M – $4M | 65% | Not available | 700+ |
| $4M – $6M | 60% · case by case | Not available | 700+ |
| $6M – $10M | 60% · case by case | Not available | 700+ |
Current super-jumbo DSCR snapshot · updated September 26, 2026 · coverage from 0.75 to 0.99 and no-ratio files to $2M at reduced leverage · super-jumbo overlays (credit floor 700+) above $3M · two appraisals above $2M · short-term rental income to $2M.
The figures on this page are program parameters, not offers: leverage is a matrix of loan size and credit tier, cash-out stops at its own ceiling, requests above the review line are considered case by case, and every file is underwritten individually. No lender rate, payment, fee, or lender is stated or implied; the calculator below runs on a public benchmark rate, not a quote. Lendmire brokers these loans through its wholesale network and is never the lender.
What a super-jumbo DSCR loan is — and how the ladder decides it.
A super jumbo DSCR loan is the standard DSCR structure carried to larger balances: the property’s rent qualifies the loan, and a matrix of loan size and credit tier decides the leverage. In Myrtle Beach, SC, that ladder is what an investor plans around.
Balance inside the standard ceiling? See DSCR Loans in Myrtle Beach, the standard program, or the statewide guide at Super Jumbo DSCR Loans in South Carolina.
The rent qualifies the loan, not the owner
A high-value rental in Myrtle Beach, SC qualifies the same way a modest one does — on its rent — but the lender reads the lease and the appraisal’s rent analysis more closely, because the number they defend is larger.
Leverage is a ladder, not a number
There is no single loan-to-value on this program. A Myrtle Beach file is placed in a loan-size band, the credit tier selects a cell inside it, and that cell is the leverage. The ladder table on this page shows the best cell in each band.
Credit and reserves tighten above the overlay line
Credit tier selects the leverage cell in Myrtle Beach, SC, so a stronger score buys more leverage inside the same band. Reserves follow the payment, and on the largest balances cash-out proceeds may not be used to satisfy them.
The review line and the cash-out ceiling
The largest band in Myrtle Beach, SC is a conversation, not a form: requests above the review line are reviewed case by case, structured as purchase or rate-and-term, at reduced leverage. Cash-out ends lower on the ladder.
The ratio is measured at the leverage cell the matrix opens for the loan size and credit tier. The calculator applies that cell; the lease, the appraisals, and underwriting apply the rest.
Where Myrtle Beach’s high-value rental stock sits — and how a lender reads it.
The stock of high-value homes in Myrtle Beach, SC, the rents at the top of the market, and household income together sketch the market a high-balance file is underwritten in.
Citywide figures provide general market context, not an appraisal or a rent analysis. A large share of high-value homes signals depth of comparables for the appraiser; a strong top-bracket rental market signals leases that can carry a high-balance payment.
Data sources: U.S. Census Bureau — ACS 5-Year (2024) housing and population estimates, including owner-occupied home values by bracket and gross rent by bracket.
Distinct Myrtle Beach submarkets, distinct appraisal stories.
Myrtle Beach’s high-value stock is not one market. Each submarket below carries its own values, its own rents, and its own review points, and the leverage ladder meets each one differently.
Inland estates and acreage
The estate lots inland from Myrtle Beach carry space and privacy premiums, and the file has to show the parcel size stays inside the program’s acreage limit for its loan band. Roughly 115 owner-occupied homes in Myrtle Beach are valued at two million dollars or more on the latest estimate, the stock a super jumbo file is most often written against.
Luxury condominiums and towers
Luxury condominium units in Myrtle Beach qualify on the same rent-to-payment math as a house, with one added review: the building’s warrantability, litigation, owner-occupancy mix, and any hotel-style operation. Median household income in Myrtle Beach sits near $60,394, the demand side of the rents a high-value rental competes for.
Gated and club communities
Gated and club communities in Myrtle Beach bring an association package into the review — dues, transfer rules, rental restrictions — that a lender reads alongside the lease before the leverage cell is confirmed. The median owner-occupied home value in Myrtle Beach runs near $388,800 on the latest Census estimate.
New construction and rebuilds
Teardown-and-rebuild lots in Myrtle Beach produce new estates with few direct comparables; the appraisal’s market rent and the sales it can find set the value the ladder is applied to. About 2.5% of Myrtle Beach’s renter households pay three thousand dollars a month or more — near 168 households at the top of the rental market.
Second-row and view lots
Second-row property in Myrtle Beach is where many high-balance files land most comfortably: the values still clear the standard ceiling, and the rent covers a larger share of the payment. Census estimates place about 7.1% of Myrtle Beach’s owner-occupied homes at a value of one million dollars or more — roughly 754 homes.
Waterfront and first-row estates
Along the water in Myrtle Beach, values run highest and rents rarely keep pace, which is why a high-balance file here is usually structured with more equity or an interest-only period to bring the ratio inside the floor. Myrtle Beach counts a population near 38K within the Myrtle Beach-Conway-North Myrtle Beach, SC area.
None of this is a valuation or a rent analysis; it is the backdrop a Myrtle Beach file is read against before the appraisals and the lease decide the numbers.
Four ways Myrtle Beach investors put super-jumbo DSCR financing to work.
From acquisition to consolidation, super jumbo DSCR loans in Myrtle Beach, SC solve a specific set of problems for high-value rentals.
Buy a high-value rental on its rent
For a Myrtle Beach acquisition that a standard DSCR program cannot carry, the super jumbo path applies the same rent test at a larger balance, with the ladder setting the leverage.
Carry a high-value asset interest-only
Interest-only financing on a Myrtle Beach rental measures coverage on the interest-only payment for the period, at the leverage the interest-only cap allows.
Hold title in an entity
For Myrtle Beach investors holding property in an entity, the super jumbo path accommodates the structure, subject to lender program eligibility, while the rent carries the file.
Take cash out below the cash-out ceiling
Cash-out in Myrtle Beach, SC has its own rungs: leverage steps down with the balance, proceeds above a certain leverage are capped, and above the ceiling the program offers rate-and-term only.
Estimate a Myrtle Beach high-value rental’s coverage at its loan size, before requesting a quote.
Enter a price, an equity percentage, a credit tier, and the monthly rent for a Myrtle Beach property. The calculator reads the leverage cell the matrix allows at that loan size, builds the full payment from your inputs, and measures coverage against the full-leverage floor. The rate field carries the weekly Freddie Mac market benchmark — a conventional reference, not a DSCR loan quote — and every field stays editable.
Myrtle Beach super jumbo DSCR calculator
Starting assumptions reflect Myrtle Beach’s home values and rents; change any field and the ladder is re-read.
Editable benchmark: 7.28% as of October 1, 2026 · Freddie Mac 30-year average via FRED®. This is not a DSCR loan quote.
Illustrative starting assumptions: a $2,500,000 price set above Myrtle Beach’s median owner-occupied home value to reach the super jumbo band, an equity position sized to the ladder, and a long-term rent in line with luxury rent-to-value (U.S. Census Bureau). Taxes and insurance are editable state-level assumptions.
Illustrative estimate only — not a Loan Estimate, approval, quote, or commitment to lend. Leverage is read from the current program matrix for the loan size and credit tier entered; the appraisal, the lease or market rent, reserves, and full underwriting decide the actual figures. Requests above the review line are considered case by case, purchase or rate-and-term only. The rate field is an editable Freddie Mac thirty-year benchmark; it is not a DSCR loan quote.
Same property, three very different structures.
Super jumbo DSCR is one of three structures a Myrtle Beach investor might use on the same property; each reads income differently and stops at a different balance.
Rent-qualified at scale, standard DSCR, or the owner’s income.
Qualifies on the property’s rent above the standard DSCR ceiling, with leverage read from a loan-size and credit-tier matrix, a review line for the largest balances, and a cash-out ceiling below the top.
Qualifies on the same rent-to-payment math but stops at the standard program ceiling; the lower bands of the super jumbo ladder overlap it, with the standard program often carrying the better cell there. Inside the standard ceiling, Lendmire arranges DSCR loans in Myrtle Beach.
A bank statement loan reads the owner’s deposits, not the rent; it is the path when the property is the owner’s home or when personal cash flow carries a file a rent ratio cannot.
Super jumbo DSCR fits a leased or leasable Myrtle Beach rental above the standard ceiling; standard DSCR fits the balance inside it; a bank statement loan fits the owner’s own home or a file the owner’s deposits carry better than the rent.
What to prepare for a Myrtle Beach scenario review.
The documents a lender reads first on a super jumbo DSCR file.
This is a general preparation guide, not a universal checklist. The selected lender may request additional information based on the loan size, the property, the appraisals, the lease or market rent, the entity, and reserves. Nothing here is legal or tax advice.
Local details that can change the loan.
The larger the balance, the more the details matter. In Myrtle Beach, SC, these are the ones that most often change a file’s shape.
Use these checks to keep the Myrtle Beach file clean and fundable.
Settle the band, the appraisals, the credit overlays, and the property’s eligibility before the rent is even discussed; a Myrtle Beach file that clears these reads cleanly.
- Know the rung: confirm the band and the credit tier the best cell requires.
- Confirm the property: check acreage against the cap for the band.
- Set up the entity: provide formation documents and good standing.
The loan-size band decides the leverage
The balance places a Myrtle Beach file in a band, and the band sets the leverage ceiling and the credit floor for its best cell. A little more equity can move a file down a rung into a better cell — which is why the balance is planned before the price.
Acreage, condos, and rural designations
Acreage is capped by loan band in Myrtle Beach, rural property carries its own leverage and is excluded above a set balance, and a non-warrantable condominium or a condotel has its own cell and its own size cap.
Entity vesting and guarantors
A Myrtle Beach investor holding property in an entity provides the entity documents alongside the file; the rent still qualifies the loan and the guarantors’ credit still selects the cell.
Case-by-case review above the line
Above the review line, a Myrtle Beach request is discussed with the lender before it is submitted, structured as purchase or rate-and-term at the top band’s reduced leverage, and decided on its own facts.
Overlays above the super-jumbo line
The largest Myrtle Beach, SC balances come with overlays that change the file: stricter credit, no non-occupant co-borrowers, no rural property, a lower acreage cap, and reserves that cash-out proceeds may not satisfy.
From a Myrtle Beach rent roll to a funded high-balance loan.
Lendmire runs a Myrtle Beach high-balance file in a set order: place it on the ladder, package it, appraise it, close it.
Place the balance
The first step is the ladder: where the Myrtle Beach, SC balance lands, which cell the credit tier opens, and whether the structure should change to land on a better rung.
Package the file
The lease or rent analysis, the credit report and housing history, reserves, the entity documents, and the property detail are assembled for the Myrtle Beach, SC program that fits.
Appraise and review
The appraisals and the rent analysis set the numbers the ladder is applied to; a Myrtle Beach, SC file above the review line is reviewed before submission.
Close and fund
Underwriting confirms the coverage, the leverage cell, reserves, and the entity; the Myrtle Beach file closes on the terms the ladder allows.
A brokerage built around investors who qualify on rent.
A super jumbo DSCR file rewards preparation, and preparation is what a brokerage built for investors provides.
Ladders, not guesses
The band, the cell, the overlays, and the review line are known at the start of a Myrtle Beach, SC file, not discovered in underwriting.
The right wholesale program
High-balance DSCR ladders differ by program; Lendmire places a Myrtle Beach, SC file where its rent, its credit tier, and its property read best.
Structured for the review
Reserves counted, appraisals ordered in the right number, entity documented, overlays confirmed — a Myrtle Beach, SC file arrives at the lender ready.
Trusted by investors & homeowners alike.
Myrtle Beach super jumbo DSCR loan FAQs
The questions a Myrtle Beach, SC investor asks before requesting a high-balance scenario review, answered at the program level.
How is leverage decided on a super jumbo DSCR loan in Myrtle Beach?
From a matrix: the balance places the file in a loan-size band, the credit tier selects a cell inside it, and that cell is the leverage. The smallest band carries the highest leverage; leverage steps down as the balance climbs. The ladder table on this page shows the best cell in each band.
Can I take cash out of a high-value Myrtle Beach rental with a super jumbo DSCR loan?
Cash-out has its own rungs and its own ceiling on this program. A Myrtle Beach file inside it can return cash at the band’s leverage; a file above it is structured as rate-and-term.
What coverage ratio does a Myrtle Beach property need?
Rent divided by the full payment must reach the floor for full leverage; below it, the file steps into the reduced-leverage band. On an interest-only structure the ratio is measured on the interest-only payment.
Can a first-time investor use the program?
The program accepts a first-time investor inside its own cap and with its own overlays; investor experience is measured as time owning income-producing real estate.
Can the property be held in an LLC?
An LLC can hold the Myrtle Beach property, subject to lender program eligibility; the rent still qualifies the loan and the guarantors still qualify the credit.
Are foreign nationals eligible?
Yes, on a dedicated tier with its own cap, leverage, and reserves; the file qualifies on the rent like any other, and the no-ratio path is not available on it.
What sets the timeline on a super jumbo DSCR loan?
The appraisal work sets the pace on a Myrtle Beach high-balance file; the file itself is packaged in parallel, and above the review line the lender’s pre-submission review is part of the timeline.
How is this different from a standard DSCR loan?
A standard DSCR loan and a super jumbo DSCR loan qualify a Myrtle Beach rental the same way; the difference is the balance the program can reach and the ladder it uses to turn size into leverage and credit.
What does Lendmire do on a Myrtle Beach high-balance file?
The structural work: band, cell, overlays, appraisals, review line, reserves. A Myrtle Beach investor brings the property and the rent; Lendmire brings the ladder and the program.
Which properties are eligible?
One-to-four-unit investment property, including warrantable condominiums; non-warrantable condominiums and condotels have their own leverage cells and size caps; acreage is capped by loan band and rural property is excluded above a set balance.
Ready to size a Myrtle Beach balance? Start with the rent.
Start with the property, the rent, and the balance you have in mind. No credit pull or commitment is required to request an initial scenario review.
This guide covers Myrtle Beach — for the statewide ladder, overlays, and scenarios, see Super Jumbo DSCR Loans in South Carolina, part of Lendmire’s super jumbo DSCR loan program.
Nearby markets in South Carolina: Conway · North Myrtle Beach · Florence · Isle of Palms · Goose Creek · Mount Pleasant · North Charleston · Charleston
Other loan programs in Myrtle Beach: DSCR Loans in Myrtle Beach, SC · Short-Term Rental Loans in Myrtle Beach, SC · Investment Property Cash-Out Refinance in Myrtle Beach, SC · Hard Money Loans in Myrtle Beach, SC