Large-balance DSCR loans ($1M and up) work differently from standard deals. Fewer lenders compete, reserve requirements rise, and the right lender match matters more. Here's how to finance a seven-figure rental purchase.
A $1M+ DSCR rental purchase is very financeable — but it moves you into jumbo-DSCR territory where the lender pool narrows. Standard DSCR programs typically center on loans up to $2-3M, with the strongest pricing on cleaner mid-size deals. Above $1M you'll see somewhat higher reserve requirements and a smaller set of lenders comfortable at that balance.
LendingStreet places large-balance DSCR through capital sources with no hard cap — including deals at $5M+. For a strong borrower (740+ credit, 1.2+ DSCR), a $1M purchase is a clean, well-priced deal at the right lender.
Three things shift as you cross into seven-figure DSCR loans:
| Factor | Typical for $1M+ DSCR |
|---|---|
| Maximum LTV | Up to 80% for strong borrowers (often 75% above certain thresholds) |
| Minimum DSCR | 1.0 standard; 1.2+ for best pricing; sub-1.0 placeable via specialty sources |
| Credit | 740+ for best terms; 620 floor still applies but pricing widens below 700 |
| Reserves | Often 6-12+ months PITIA |
| Entity | LLC vesting standard and usually preferred |
| Loan ceiling | $5M+ via LendingStreet network with no hard cap |
An investor in Indiana came in for a DSCR purchase in the $1M-$3M range with a 740+ credit score. That's the strongest possible large-balance profile — high credit, seven-figure purchase, clear rental income. The deal gets shopped across the capital sources that actively do jumbo DSCR, where a borrower this strong commands competitive pricing rather than the premium a smaller or lower-credit deal would carry. Large-balance DSCR rewards strong borrowers; the key is reaching the lenders who specialize at that size.
Standard DSCR programs typically cap around $2-3M, with jumbo DSCR lenders going higher. LendingStreet places large-balance DSCR through capital sources with no hard cap, including deals at $5M+ and select markets beyond.
The 620 floor still applies, but at $1M+ the best pricing and highest LTV go to 740+ borrowers. Pricing widens noticeably below 700 on large balances, so strong credit matters more at this size.
Reserve requirements rise with loan size — expect 6-12+ months of PITIA (principal, interest, taxes, insurance, association dues) in reserves on a seven-figure DSCR loan, depending on the lender and your overall profile.
Yes. LLC vesting is standard on DSCR loans and usually preferred by lenders for investment properties, including large-balance purchases.
Above $1M the lender pool narrows to those who actively do jumbo DSCR. A broker with 30+ capital sources reaches the specialists at that size, where a strong borrower commands better pricing than a single lender might offer.
Large-balance DSCR placed across 30+ capital sources with no hard cap. See your terms on a seven-figure purchase.
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