DSCR Loans

Final terms depend on lender guidelines, property type, leverage, and the borrower’s complete credit picture.

Through select wholesale programs, loan amounts run from $150,000 to $10,000,000, with leverage stepping down as the balance climbs.

There’s no federal definition of “super jumbo” — it’s shorthand the industry invented, and every lender draws the line somewhere different.

The lender checks whether the rent covers the payment and works down from there.

This guide walks through the mechanics, the size ladder, and the edge cases that trip up otherwise strong deals.

There’s no legal definition of “super jumbo” — it’s an industry term for balances well past the conforming loan limit and past standard DSCR caps.

At higher price points the mechanics don’t change conceptually, but leverage steps down, credit floors rise, and appraisal scrutiny gets heavier.

Once a loan crosses that line it’s jumbo by definition, and once it climbs well past it, DSCR lenders start calling it super jumbo.

The property’s rent — not your tax returns — drives qualification, and coverage, credit, and reserves all move together at scale.

Leverage steps down as the balance climbs, and every file above roughly $4 million gets reviewed case by case before it’s submitted.

Maine is one of the 40 states plus Washington, D.C.

Above roughly $4 million, every request gets reviewed case by case before it’s even submitted.

There’s no regulator that defines this term.