Jumbo Loan
A loan exceeding the conforming loan limit set by the FHFA (in 2026, generally $766,550–$1,149,825 depending on county). DSCR loans above $1M function as jumbo non-QM products.
Why it matters on a DSCR loan
Investors buying in high-cost coastal markets routinely cross the conforming limit without realizing it, which shifts them into jumbo non-QM territory where reserve requirements and credit expectations tighten. Larger DSCR loan amounts typically face lower LTV ceilings and closer underwriting scrutiny, so budget a bigger down payment than you would on a median-priced rental. Also expect the property itself to matter more — appraisals on high-value homes rely on thinner comparable data, and a low valuation hurts more at these loan sizes.
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DSCR Calculator Get a QuoteReviewed by Arin Baghermian, Broker Owner — NMLS #1220456 · Last reviewed July 2, 2026 · DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548).