10% down requires approved seller financing and lender approval. Investment use only. Closing costs and other required funds are additional.
Exceptional investment possibilities Illustrative image. Not an available listing.
One possible $8M purchase
Three pieces. One acquisition.
First mortgage · 65%$5,200,000Subject to first-lien approval
Seller financing · 25%$2,000,000A separately approved second mortgage
Your down payment · 10%$800,000Plus closing costs and required funds
Illustration assumes 650+ FICO, an eligible valuation, a willing seller, and approval of both liens. At 600–649 FICO, the Super Jumbo first-mortgage limit is 60%.
Put your capital in context
See a structure for your next purchase.
Move the purchase price. Choose a credit tier. See how seller participation changes the buyer’s portion.
$2 million$10 million
The seller second is a loan, with its own terms and payments. It requires seller agreement and first-lender approval.
Your illustrative down payment$800,000
10% of the purchase price + closing costs and other required funds
First mortgage 65%
$5,200,000
Seller-held second 25%
$2,000,000
Buyer down payment 10%
$800,000
Combined financing 90%
Super Jumbo first-mortgage illustration. Seasoned investors and eligible major-metro properties only.
Planning illustration only, not a quote or approval. Purchase price is assumed to equal the eligible value; a lower appraisal can increase buyer funds. This calculator uses a 65% first mortgage at 650+ FICO and 60% at 600–649, including conservative illustrations for smaller loans. Actual leverage, seller-note terms, reserves, and costs are determined in underwriting.
No minimum DSCRRental coverage ratios down to 0
No personal income qualificationProperty, assets, and experience reviewed
FICO from 600Up to 60% first-mortgage LTV at 600–649
Super Jumbo program. Eligibility and underwriting approval required.
Built around the investment
The property matters. So does your experience.
From Newport Beach to Miami, explore investment purchases in major metropolitan markets nationwide. Location and property eligibility are reviewed individually.
Eligible single-family homes, condos, and 2–4-unit properties. The property must be for investment use, with no plan to occupy it as your home.
Relevant ownership experience
Super Jumbo is for seasoned investors. We review your investment history, properties owned, assets, and the business purpose of the purchase.
No minimum rental coverage ratio
Super Jumbo can consider DSCR down to 0 without personal income qualification. Your rental income does not have to clear a minimum DSCR threshold.
A seller who sees the structure
With an approved second mortgage, the seller receives part of the price at closing and carries a note for the balance. The amount, interest, payments, and maturity all need agreement.
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The question is how to structure the purchase.
Already own a substantial investment property and considering a larger acquisition? That context belongs in the conversation.
A similar property can support your investment background. Ownership alone does not establish eligibility, and the intended use must reflect what you actually plan to do.
Your purchase scenario
Let’s discuss your purchase.
Just your contact information and investment experience to get started.
The first mortgage and an approved seller-held second mortgage together can cover up to 90% of the eligible property value. For example, an $8 million purchase at 65% first-mortgage LTV could use a $5.2 million first mortgage, a $2 million seller second, and an $800,000 buyer down payment. The seller must agree, and the lender must approve the entire structure. Closing costs, prepaid items, and any required reserves are additional.
What if my credit score is 600?
The Super Jumbo matrix permits scores from 600 to 649 at up to 60% first-mortgage LTV. An approved 30% seller second could bring combined financing to 90%, leaving a 10% buyer down payment. Scores of 650 or higher can be considered up to 65% first-mortgage LTV. Final terms depend on the full file.
Is there a minimum DSCR or personal-income requirement?
For the Super Jumbo program, there is no minimum debt-service coverage ratio (DSCR), including ratios down to 0. Qualification does not rely on documenting your personal income. This does not mean no underwriting: the lender still reviews the property, credit, assets, investment experience, and genuine investment purpose. Requirements for smaller first mortgages are reviewed under the applicable program.
Does the $2M–$10M range mean purchase price or loan amount?
This page explores purchases priced from $2 million to $10 million. The Super Jumbo program itself covers first mortgages from $2 million to $10 million. A smaller first mortgage, such as $1.3 million on a $2 million purchase, is reviewed under a different eligible investor program. Its terms may differ.
Can I live in the property or use it as a second home?
This financing is for a genuine non-owner-occupied investment property. It is not intended for a primary residence or personal second home. Existing property ownership may help explain your background, but the lender must assess investment experience and intended use.
What happens if the seller will not finance part of the purchase?
The 10% down structure depends on approved seller financing. Without it, a 65% first mortgage leaves 35% of the price to be funded by the buyer; at 60% first-mortgage LTV, the buyer portion is 40%, plus closing costs and other required funds. We can review other financing options with you.
Are there prepayment penalties or other requirements?
The supplied Super Jumbo program offers a 30-year fully amortizing term and generally carries a five-year declining prepayment penalty. Taxes and insurance must be impounded. Seller-note payments, interest, maturity, and any balloon payment are negotiated separately and require lender review. We discuss these details before you commit.
