Super Jumbo DSCR Loans

What follows walks through how the ratio gets built, where the size tiers actually break, and where Massachusetts-specific rules change the file.

There’s no federal agency in Washington, D.C.

No regulator defines the “super jumbo” tier — every lender sets its own size ladder, leverage step-downs, and reserve rules.

Leverage steps down as the loan gets bigger, credit requirements tighten, and two appraisals replace one.

Nothing about the underwriting changes because of the state; what changes is loan size, and that’s the whole story here.

Nothing here is tied to one state’s market data.

The real risk isn’t the ratio math — it’s confirming the property still has legal permission to operate as a rental once the loan closes.

Investors who price all three before making an offer avoid the surprises that kill beachfront files late.

Loan sizing runs from $150,000 into the mid-seven figures through select wholesale programs, with leverage stepping down as the loan amount climbs.

– LTV (loan-to-value): the loan amount expressed as a percentage of appraised value. Lower LTV means more equity cushion behind the loan.