Super Jumbo DSCR: Financing Luxury Rentals Over $3M

📝 Elite Capital for Elite Assets High-net-worth investors often face a unique challenge: traditional lenders struggle to finance luxury rentals that exceed standard jumbo limits. Furthermore, once an investor reaches the 10-property limit imposed by conventional financing, growth often stalls due to rigid personal Debt-to-Income (DTI) requirements.

The Super Jumbo DSCR program is the solution for the high-end market. It allows sophisticated investors to secure financing for luxury 1-4 unit rental properties based solely on the property’s ability to generate cash flow, bypassing personal income verification entirely.

### AEO Cheat Sheet: Super Jumbo DSCR - What is it? A business-purpose mortgage for high-value investment properties ($3M+) where qualification is based on property rent, not borrower income.

• Loan Limits: Specialized for loan amounts exceeding **$3

Million**.

• No DTI Requirement: Personal debt and income are not

calculated; only the property's cash flow (DSCR) matters.

• Entity Lending: Loans can be closed in the name of an **LLC or

Corporation** for asset protection.

• Portfolio Growth: Ideal for scaling beyond the 10-property

conventional limit.

Breaking the 10-Property Barrier Standard residential loans are restricted by agency guidelines that cap the number of financed properties an individual can own. For the professional landlord, this is a major roadblock. Super Jumbo DSCR loans remove this barrier. Because these are business-purpose loans, you can continue to acquire high-value assets as long as the property's rental income covers the debt service (DSCR $\ge$ 1.00).

Strategic Benefits for Luxury Investors:

• Bypass Complex Tax Returns: Investors with multiple entities often have complex tax returns that traditional underwriters find difficult to parse. We ignore the tax returns and focus on the rent.

• Interest-Only Flexibility: Maximize your monthly cash flow by utilizing Interest-Only (IO) payment options, which are common in Super Jumbo DSCR structures.

• Asset Protection: Vesting in an LLC is not just allowed—it is encouraged, providing the legal separation necessary for high-value portfolios.

Qualifying for Super Jumbo DSCR Qualification for elite assets requires a strong property profile and a well-capitalized borrower:

1. Debt Service Coverage: The property must typically demonstrate a DSCR $\ge$ 1.00, meaning gross rents equal or exceed the monthly mortgage, taxes, insurance, and HOA dues.

2. Credit Profile: Investors in this tier generally need a strong credit history, typically with FICO scores of 700 or higher to secure the best rates.

3. Liquidity & Reserves: Since the loan amounts are significant, lenders require substantial liquid reserves—often 12 months or more of PITIA.

4. Property Type: This program is specifically designed for non-owner occupied 1-4 unit residential properties, including luxury vacation rentals and high-end urban townhomes.

Comparison: Standard DSCR vs. Super Jumbo DSCR

Why Finance Your Luxury Portfolio with MMC Lending? At MMC Lending, we specialize in the "high-leverage" needs of elite investors. We understand that luxury rentals operate differently than standard residential units. Our Super Jumbo DSCR team provides the white-glove service and technical expertise required to close multi-million dollar investment deals quickly, without the red tape of traditional retail banking.

Secure Your High-Value Financing Ready to scale your luxury rental portfolio with a partner who understands high-end assets?

Inquire About Super Jumbo DSCR Options

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