Jumbo Loans
High-balance DSCR loans for luxury rentals and large multifamily properties
LLC & Entity Ownership Eligible
DSCR Loans for Jumbo Investment Properties
Jumbo DSCR loans allow real estate investors to finance higher-value rental properties using property cash flow rather than personal income. Designed for larger acquisitions and premium investment properties, these programs offer higher loan limits, flexible underwriting, and streamlined approvals.
- Ideal for luxury rentals and high-value investment properties
- Higher loan limits than standard DSCR programs
- Loan amounts available up to $5M
- Qualification based on property rental income
Jumbo DSCR Loans for High-Value Properties
Jumbo DSCR loans offer flexible financing for properties exceeding standard limits, allowing investors to acquire or refinance larger assets with DSCR-based underwriting.
Eligible Jumbo Property Types
- Luxury single-family rentals
- High-value duplexes, triplexes & fourplexes
- 5–8 unit multifamily properties
- High-balance STR, mid-term, and long-term rentals
- Portfolio properties requiring larger loan amounts
- “Trophy” rental assets and prime market rentals
Jumbo DSCR Loan Benefits
- Loan amounts typically $1M–$5M+
- Qualify using property income only
- Up to 70–80% LTV for purchases and refinances
- Cash-out available for high-value rental portfolios
- 30-year fixed, ARMs & interest-only options
- Fast approvals with minimal documentation
How Jumbo DSCR Loans Work
Jumbo DSCR loans are qualified using rental income and overall property cash flow, allowing investors to secure larger loan amounts while maintaining DSCR-based underwriting.
Get Prequalified
Soft-pull pre-approval and analysis of rental income, location, and jumbo loan eligibility.
Lock DSCR Loan Program
We shop 20+ DSCR lenders to match you with the best high-balance DSCR program and rate.
Appraisal & Underwriting
Appraisal includes rental analysis, market rent survey, DSCR calculation, and property valuation suitable for jumbo loan thresholds.
Close & Scale Portfolio
Close in your LLC or business entity and leverage jumbo DSCR financing to expand into larger, higher-value assets.
Crestmark Specializes in Jumbo DSCR Loans
- Access to 20+ lenders specializing in jumbo DSCR programs
- Competitive pricing designed for luxury & high-balance DSCR deals
- Expertise in underwriting premium rentals and high-value properties
- Fast turn-times and concierge-level communication
- Specialists in DSCR, STR, multifamily & portfolio loans
- Loan officers who understand jumbo DSCR guidelines and investor strategy
Dedicated Jumbo DSCR Lending Experts
Crestmark Lending is a national specialist in Jumbo DSCR financing, providing high-balance loan solutions with streamlined, cash-flow-based underwriting for serious real estate investors
- High-balance financing for premium rentals
- Qualify on cash flow—not personal income
- Competitive jumbo DSCR pricing
- Streamlined underwriting for large assets
- Fast closings on high-value properties
Chris Lederer
Production Manager
NMLS #2004549
Glen Dicken
Sr. Loan Officer
NMLS# 313548
Jen Papaelias
Sr. Loan Officer
NMLS# 2692859
Brett Dempsey
Branch Manager
NMLS #2014728
Allen Lundberg
Sr. Loan Officer
NMLS #277507
DSCR Jumbo Loans FAQs
What is a Jumbo DSCR loan?
A Jumbo DSCR loan is designed for larger loan amounts that exceed standard DSCR program limits. These loans allow investors to finance high-value rental properties using property cash flow rather than personal income documentation.
How large can a Jumbo DSCR loan be?
Loan limits vary by lender, but many jumbo DSCR programs offer financing up to $5 million or more. Maximum loan amounts depend on factors such as property type, loan-to-value ratio, DSCR performance, borrower credit profile, and overall liquidity. Larger balances may also be available for strong cash-flowing assets or experienced investors with solid financial reserves.
Do Jumbo DSCR loans require personal income verification?
No traditional income verification is required. Qualification is based primarily on the property’s rental income and its ability to cover the mortgage payment. Lenders focus on DSCR performance, credit profile, and liquidity rather than W-2s or tax returns.