Luxury 1-4 Unit & No-Ratio Desk
$1M to $3M Luxury Cash-Out & No-Ratio DSCR Loans.
Standard lenders cap loan sizes at $1M-$1.5M or cut leverage when luxury property taxes and windstorm insurance push DSCR below 1.00x. We originate 1-4 unit cash-out and purchase loans up to $2M-$3M+ on sub-1.0, negative DSCR, and true no-ratio structures.
Up to $3M+
1-4 Unit Loan Capacity
No-Ratio
Negative DSCR Accepted
Up to 75%
Luxury Cash-Out LTV
Zero
Tax Returns or W-2s
Core Luxury Submarkets We Actively Fund
Miami Shores, Belle Meade, Upper East Side & Surfside
Waterfront and historic luxury single-family homes ($1.2M to $4M+) where windstorm insurance and county taxes push long-term lease coverage below 1.00x. We structure $1M to $3M cash-out proceeds on sub-1.0 and no-ratio terms.
Coral Gables, Coconut Grove, Pinecrest & Miami Beach
High-value 1-4 unit estates and executive rentals held in LLCs. No tax returns, no global DTI audits, and fast refinancing out of private bridge or construction loans.
Boca Raton, Delray Beach, West Palm Beach & Jupiter
Coastal single-family homes and seasonal rentals across Palm Beach County where property appreciation outpaces traditional annual rent formulas.
Greater Boston, Brookline, Newton, Cambridge & Cape Cod
High-valuation Massachusetts single-family homes, luxury condos, and brownstone 2-4 units requiring $1M to $3M+ loan balances without bank 1.25x coverage cutoffs.
Luxury $1M-$3M & No-Ratio FAQs
Can I get a $2M or $3M loan on a luxury rental if the rent is less than the mortgage payment?+
Yes. On $1.5M to $4M+ homes in Miami Shores, Boca Raton, or Greater Boston, monthly rent rarely hits 1.00x against high taxes and coastal insurance. Our sub-1.0 and true no-ratio programs fund $1M to $3M+ on 1-4 unit properties without requiring 1.00x coverage or personal income docs.
Can I use a no-ratio loan to pull cash out of a luxury investment home?+
Yes. High-dollar cash-out refinances are a primary focus on this desk, allowing investors to pull $500K to $2M+ in equity to fund new acquisitions or pay off maturing short-term bridge notes.
Do you require reserve verification on $1.5M to $3M luxury DSCR loans?+
Loans up to $1.5M can qualify with zero post-closing reserves on eligible tiers; loans above $1.5M up to $3M+ verify standard liquid reserves via bank or brokerage statements (entity or personal), still with zero tax returns.