Portfolio Lending • Private Capital • Super Jumbo Non-QM
Large Loan Amounts — Up to $35,000,000
Non-QM lending for high-value transactions. Portfolio lenders and private capital sources who fund luxury residential and large commercial deals up to $35 million — with flexible underwriting and faster timelines than conventional jumbo programs.
Up to $35M
loan amounts available
Portfolio lenders
hold loans in-house
700+
minimum credit score
30–45 days
typical close time
Jumbo Non-QM — Where Agency Rules Don’t Apply
Conforming loan limits cap out at $806,500 in most markets. Above that, you’re in jumbo territory — and above a certain level, standard jumbo programs from conventional banks won’t work either. Portfolio lenders who hold loans in-house have no agency restrictions, no DTI formula that ignores write-offs, and no maximum loan amount based on Freddie guidelines. Just a deal that makes financial sense.
Who Needs Large Non-QM Loans
- High net worth buyers purchasing luxury primary residences
- Self-employed executives whose income doesn’t show on a tax return
- Investors acquiring large multifamily or commercial properties
- Foreign nationals or international buyers of US real estate
- Estate and trust beneficiaries making complex transactions
- Anyone whose deal falls outside conventional jumbo guidelines
Why Portfolio Lenders Do What Banks Won’t
- They hold the loan — no agency sale, no agency rules
- Income can be documented via bank statements, P&L, or assets
- Credit events further in the past are treated more reasonably
- Complex ownership structures (LLC, trust, partnership) accepted
- Foreign income and non-US credit histories considered
- Decision-making by a credit committee, not an algorithm
How Large Non-QM Loans Are Underwritten
Underwriting at this level is a relationship business. We work directly with portfolio lenders’ credit teams to structure transactions based on the full picture of the borrower’s financial strength.
Income and Asset Documentation
- Bank statement income (12–24 months)
- Asset depletion: large portfolios generate strong qualifying income
- Combination: assets + deposits + rental income + business income
- CPA letters and accountant-prepared financial statements
- Foreign income with proper documentation and currency conversion
- No-income / asset-only qualification on some programs at lower LTV
Deal Parameters (Typical)
- Loan amounts: $3M to $35M+ (minimum loan sizes vary by lender)
- LTV: up to 75% on residential; 65% on commercial (lower for larger amounts)
- Credit score: 700+ minimum; 720+ for best terms
- Reserves: 12–24 months of PITIA required post-close
- Closings: 30–45 days for most transactions
- Discretion and confidentiality maintained throughout
Large Loan FAQ
What is the maximum loan amount available?
We have access to programs that fund up to $35 million. The right lender and structure depend on the property type, your income documentation, and LTV. Call us to discuss your specific transaction.
Do large Non-QM loans have higher rates than conventional jumbo?
Generally yes. Portfolio lenders price for the additional flexibility and risk. The rate premium varies by LTV, income documentation, and lender. For borrowers who cannot qualify conventionally, the rate is academic — what matters is getting the deal done.
Can I use an LLC or trust to purchase the property?
Yes. Many large transactions use entity structures for asset protection and estate planning. Portfolio lenders are accustomed to these structures and can lend to qualified entities.
What properties qualify for these loan sizes?
Luxury residential (primary, second home, investment), large multifamily, mixed-use, and commercial real estate. The key is that the collateral value supports the loan amount at an acceptable LTV.
Is there a minimum loan size for large loan programs?
Yes. Most portfolio lenders for large transactions have minimums — typically $2M–$3M. Below that, standard Non-QM programs apply. We’ll route you to the right program tier based on your loan amount.
How is privacy protected on large transactions?
Standard real estate transactions are public record. If privacy is a concern, we can discuss strategies like trust structures or entity purchases. We do not disclose client information beyond what is required for the loan transaction.
Related Programs
Large Transactions Require the Right Lender Relationships
We work with portfolio lenders and private capital sources that standard brokers don’t have access to. Call us to discuss your transaction confidentially.