Super Jumbo Investor Loan (1-4 Units)

Large-Balance Real Estate Financing for High-Net-Worth Investors

Jumbo DSCR Loans & Portfolio Financing with No Personal Tax Returns Required

WHAT WE OFFER...

Traditional retail banks and agency lenders run away when investor loan balances cross $2M, especially when personal tax returns show heavy write-offs, depreciation, or multiple K-1 partnerships. We specialize exclusively in non-QM and private institutional liquidity designed for seasoned investors.

  • Loan Amounts: $2,000,000 to $10,000,000+
  • Down Payments: As low as 20%–35% depending on asset class and credit
  • Property Types: SFRs, 2–4 Family Units, Non-Warrantable Luxury Condos, & PUDs
  • Borrower Flexibility: LLCs, Corporations, Trusts, and Foreign Nationals (ITIN OK)
Large-Balance Investor Financing

Super Jumbo Investor Loan (1-4 Units)

Designed for real estate investors seeking large-balance financing from $2,000,000 to $10,000,000 across major metropolitan markets for Single Family Residences (SFR), luxury condominiums, and 2–4 family properties.

Loan Amounts
$2M – $10M
Maximum LTV
Up to 65%
Minimum FICO
600 Credit Score
Foreign / ITIN
Eligible

Real-Time Scenario & Payment Calculator

Select loan purpose, credit score, and target LTV to dynamically calculate your pricing tier and amortized payments.

$3,000,000
$
$2,000,000 $5,000,000 $10,000,000
≥ 750
65% LTV
1-Point Rate Buydown (.375% reduction)
Pay 1 point fee at closing to lower rate by 0.375% (Minimum rate floor 7.365%).
Matched Matrix Rate
8.540%
⚠️ Program Ineligible: 65% LTV is Not Available (N/A) for FICO 600–649. Please select 60% LTV or below for this credit tier.
Amortization Term 30 Years Fixed
Principal & Interest (P&I) $23,158 /mo
Est. Property Value $4,615,385
Est. Escrows (Taxes & Ins.) $7,692 /mo
Total Estimated PITI $30,850

Property Types, Terms, and Rates Matrix

Investor 1–4 Units (SFR, Condominiums, 2–4 Units). Click any cell to load the scenario directly into the calculator.

FICO | LTV → 65% LTV 60% LTV 55% LTV 50% LTV
≥ 750 8.540% 8.415% 8.290% 8.165%
725–749 8.790% 8.665% 8.540% 8.415%
700–724 9.090% 8.965% 8.840% 8.715%
675–699 9.790% 9.665% 9.540% 9.415%
650–674 10.290% 10.165% 10.040% 9.915%
600–649 N/A 10.425% 10.300% 10.175%
💡 Click any table rate cell to synchronize the calculator parameters instantly.
🏛

General Guidelines

Investor 1–4 Underwriting Rules
Loan Amounts $2,000,000 – $10,000,000
Minimum FICO 600 Credit Score
Purpose Purchase, Rate-Term Refinance, Cash-Out Refinance
Lending Territory Major metropolitan areas
Income Verification Simple Documentation
Impounds Required for property taxes and insurance
Foreign Investors 65% Maximum LTV | ITIN OK
Maximum CLTV 90% Maximum CLTV
Experience Seasoned investors only
⚙️

Loan Programs & Terms

Amortization & Prepayment Structure
Term 30 Years (Shorter terms available)
Amortization Fully Amortized Loan
Prepayment Penalty 5-Year Declining Prepay: 5%, 4%, 3%, 2%, 1%
Prepay Buydown Reduce 1 year by adding .375% fee (min 1-year penalty)
Rate Buydown 1-point fee = .375% rate reduction (Minimum Rate 7.365%)
No Prepay States Non-entity: NJ 1-6 & PA 1-4 units = No Prepay.
NM, KS, & AK 1-4 units: No Prepay, add 1% to rate or 1.5% to fee.

Request Official Term Sheet

Submit your scenario directly to our credit desk for a rapid review.

Purpose: Purchase
Loan Amount: $3,000,000
LTV / FICO: 65% LTV | 750+
Est. Rate: 8.540%
✅ Scenario received! A senior financing director will follow up with pricing confirmation.

WHY ELITE INVESTORS PARTNER WITH US

Traditional retail banks and agency lenders run away when investor loan balances cross $2M, especially when personal tax returns show heavy write-offs, depreciation, or multiple K-1 partnerships. We specialize exclusively in non-QM and private institutional liquidity designed for seasoned investors.

  • No Tax Returns, No W-2s, No DTI Caps: Our jumbo investment property loan no tax returns programs look exclusively at property revenue or asset liquidity.
  • Flexible Leverage & Down Payments: Navigating jumbo loan down payment investment property parameters is straightforward—with down payments starting at 20% to 35% on qualifying multi-million-dollar acquisitions.
  • Interest-Only Payment Options: Preserve cash flow on prime real estate with an interest only jumbo loan for investors, lowering your monthly carrying costs and boosting debt coverage ratios.
  • Fast Underwriting with Simple Documentation: Experience direct executive-level underwriting, common-sense appraisal reviews, and transparent closing timelines.

CORE FINANCING PROGRAMS

Jumbo DSCR Loans (Debt Service Coverage Ratio)

Qualify exclusively on rental revenue. Under our jumbo dscr loan guidelines, we divide the gross monthly rental income by the full PITIA (Principal, Interest, Taxes, Insurance, and HOA). When your property generates sufficient cash flow to cover its debt, your loan is approved—freeing you from submitting personal tax returns, 1099s, or corporate financials.

Jumbo Cash-Out Refinancing for Investors
Unlock dormant equity in your high-value real estate. A jumbo dscr cash out refinance allows you to extract $2,000,000 to $10,000,000+ in liquid capital for acquisitions, partner buyouts, or high-yield reinvestment, with no restrictions on how funds are allocated across your business entities.

Luxury Short-Term Rental Financing (Airbnb & VRBO)
High-end vacation rental markets demand bespoke financing. Our jumbo short term rental loan dscr programs qualify multi-million-dollar vacation assets using documented 12-month trailing revenue or AirDNA / third-party market data projections for newly launched luxury properties.

 2–4 Unit Small Multifamily Investments
Expand your footprint across multi-family properties. Securing a jumbo loan 2-4 unit investment property allows you to leverage up to 4 doors under a single residential mortgage balance, maximizing multi-tenant stability and cash flow under one simplified promissory note.

Non-Warrantable Luxury Condos & Condo-Hotels
Conventional lenders disqualify properties with high single-investor concentration, ongoing developer control, or condo-hotel registration. Our jumbo non-warrantable condo loan investor program finances prime waterfront and metropolitan luxury condo units that Fannie Mae or Freddie Mac will not touch.

Foreign National & ITIN Investor Mortgages
Cross-border investment in top-tier US metro markets is simplified through our foreign national jumbo loan real estate investor desk. We lend to overseas investors and ITIN holders up to 65% LTV with zero US credit history requirements and streamlined international asset verification.

Ready To Start?

Mortgage Application

Purchase — tell us about the home you want to buy and we will take it from there.

Purchase
1

Loan request

Tell us about the home you want to buy and the loan you need.

Have you found the property?
2

About you

Your personal and contact details.

3

Where you live now

Start typing the street and pick it from the list — city, state and ZIP fill in.

Do you own, rent or live with family?
4

Income & employment

How you earn your income decides what we ask next.

Source of income
5

How did you hear about us?

A referral, a search, an ad, a friend — every detail helps.

6

Co-borrower

Is someone applying with you?

Do you have a co-borrower?
Security code picture
Type the characters shown in the picture so we know you are a person.

Your information is sent securely to our lending team. We only ask for the last four digits of your Social Security number at this stage.

Key Tips to Keep in Mind When Structuring Your Loan

  • Market Location & Comparables: Financing applies to purchase or refinance transactions for large-balance single-family properties located in established, non-rural markets. Avoid remote or isolated parcels where finding comparable properties requires traveling 20 to 30 miles.
  • Borrower Experience & Asset Scaling: Borrowers must demonstrate comparable ownership or management track records. Underwriting requires a realistic progression—an investor whose only real estate holding is a $500,000 primary residence will not qualify for a $10,000,000 investment property acquisition without proven high-end asset experience.
  • Strictly Business-Purpose / Investment Assets: All loans are restricted strictly to investment properties; primary and second homes are not eligible.
  • Streamlined Documentation Standards: (1) Long-Term Rentals: For standard refinances, provide an active, executed lease agreement reflecting the current rent roll.. (2) Short-Term / Vacation Rentals: For luxury vacation rentals or luxury condos (e.g., in prime markets like Miami), furnish official platform performance statements (such as Airbnb or VRBO earnings reports) demonstrating booking frequency and consistent historical cash flow.
  • Flexible Purchase Subordination: 90% Max CLTV. The Seller-held second mortgages are permitted to help reach the target.
  • Streamlined Asset Verification: Down payment and closing funds do not need to be seasoned. Approval requires only one recent bank statement verifying sufficient capital to close the transaction.
  • Reserve Flexibility: Depending on the borrower's background and overall profile, six months of post-closing reserves may be requested. Crucially, these reserve assets are not required to be held in cash or liquid accounts.

Frequently Asked Questions

What is a Super Jumbo Investor Loan?

A Super Jumbo Investor Loan is designed for financing properties with 1-4 units, catering specifically to investors.

What type of properties can be financed with this loan?

This loan can be used to finance properties that have 1 to 4 units.

What are the benefits of a Super Jumbo Investor Loan?

The page does not specify the benefits, but the team can confirm details regarding the advantages of this loan type.

Is there a minimum or maximum loan amount for Super Jumbo Investor Loans?

The page does not provide specific figures for minimum or maximum loan amounts; the team can clarify these details.

How can I apply for a Super Jumbo Investor Loan?

The page does not outline the application process; however, the team can provide information on how to apply.

Are there any special requirements for qualifying for this loan?

The page does not mention specific qualifying requirements, but the team can confirm what is needed to qualify.

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