The largest loan a lender will put on one rental property
What is the biggest loan I can get on a single rental property, not a portfolio?
This is not a portfolio or blanket loan question — it is about how large a single lender will go on one property. A short list clears $5,000,000.
- DSCR rental loan, single asset A large single-property loan is still qualified on that one property’s own rent — the question here is which lenders publish a ceiling high enough to reach the loan amount at all.
- A blanket loan structure Wrong tool if the deal is genuinely one large asset — a blanket loan cross-collateralizes multiple separate properties, which solves a different problem than sizing one big loan on one property.
Lenders in the directory
Who publishes criteria this deal clears
Matched across all 37 lenders in the directory on published maximum loan amount. This list is computed from stored criteria, not curated — it changes when a lender’s published figures change.
Writes the product, has not published the threshold
These 14 carry a relevant product but have not published the figure this scenario depends on, or carry no verification date. We will not claim they qualify and we will not claim they do not — ask them directly.
Why maximum loan size is a real constraint here
A lender’s maximum loan size is a published ceiling, usually set by the lender’s own balance sheet or warehouse line capacity rather than by the property’s DSCR. A property that comfortably clears every coverage and leverage test can still be turned away simply because the loan amount exceeds what that specific lender is willing to put on one asset.
What the roster below shows
Of the verified rental-DSCR lenders in this directory, only 4 publish a maximum loan size of $5,000,000 or more. The rest either cap lower or have not published a maximum at all — which does not rule them out for a large deal, only that this directory cannot confirm their ceiling.
What tends to come with a loan this size
A property large enough to need a loan in this range is often a larger multi-family asset, a mixed-use building, or a premium single-family property in an expensive market. Expect more documentation and a more involved underwriting process than a standard rental purchase — lenders sizing loans this large are underwriting the asset more like a commercial deal, even when the product is still labeled DSCR.
If the deal is actually a portfolio, not one property
If the real need is financing several properties together rather than one large asset, that is a different question with a different set of lenders — see the blanket loan pages for that structure instead.
What to have ready
- A recent appraisal or a credible value estimate for the property
- Full financials on the property — actual operating income, not just projected rent
- Confirmation the deal is a single asset, not several properties that could be structured as a blanket loan instead
Questions
Why do so few lenders publish a maximum this high?
Does a loan this size still qualify on DSCR alone?
What if my loan amount is just above a lender’s published maximum?
Is this the same list as who does blanket loans on a portfolio?
Terms used on this page
- Asset-Based Lending — Asset-based lending underwrites primarily on the value and income of the collateral rather than the borrower’s personal income. In real estate this covers hard money, bridge and DSCR loans.
- Blanket Mortgage — A blanket mortgage is a single loan secured by two or more properties. It consolidates a portfolio into one payment, one rate and one maturity.
- Net Operating Income (NOI) — Net operating income is a property’s annual income minus its operating expenses, calculated before any mortgage payment. It measures what the property earns, independent of how it was financed.