Jumbo Investment Loans
$2 Million to $10 Million Loans for Residential Real Estate Investors

Your Investment Property May Be Worth Millions. Your Financing Doesn't Have to Depend on a Traditional Bank.
 
Owning or buying a high-value investment property can create an unusual financing problem.
 
The property may be worth millions.  The transaction may make sense.  But traditional financing can still become complicated because of tax returns, income documentation, underwriting requirements or the way you've structured your investments.
 
Breclaw Capital offers Jumbo Investment Loans from $2 million to $10 million for qualifying residential investment properties.
 
Whether you're purchasing, refinancing or accessing equity from a property you already own, we'll look at the property, your equity and the overall transaction, not just try to force your deal into a conventional mortgage box.
 
Simple documentation. Long-term financing. Built for real estate investors.

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$2M–$10M Loans | Up to 65% LTV | 30-Year Financing | Purchase • Refinance • Cash-Out
 
A Multimillion-Dollar Property Doesn't Automatically Require a Traditional Bank
 
The Property May Tell a Different Story Than Your Tax Return
 
Real estate investors don't always show their financial strength the same way a traditional W-2 borrower does.  In fact, one of the advantages of owning investment real estate is being able to take legitimate deductions that can reduce taxable income.  That's good tax planning.
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It isn't always good for traditional mortgage underwriting.  That's why Breclaw has financing options using simple income documentation rather than making your tax return the center of the transaction.
If you own a valuable investment property with substantial equity or you're purchasing one with a strong capital position, we want to understand the entire transaction.
 
Not just one number on your tax return.  
 
How Much Can You Borrow?
Jumbo Financing From $2 Million to $10 Million
 
Breclaw's Jumbo Investment Loan program is designed for qualifying residential real estate investors seeking financing in major metropolitan markets.
The program includes:
 
Jumbo Investment Loan
Loan Amount                                             $2 Million–$10 Million
Maximum Purchase LTV                          Up to 65%
Minimum FICO                                           600
Loan Term                                                    Up to 30 Years
Amortization                                               Fully Amortizing
Income Documentation                          Simple Documentation
Purchase                                                      Yes
Rate/Term Refinance                               Yes
Cash-Out Refinance                                 Yes
Property Types                                           SFR, Condo, 2–4 Unit Investment Properties
Foreign Investors                                       Available; ITIN accepted
Maximum CLTV                                         Up to 90%, subject to program requirements
 
The exact leverage, rate and structure depend on factors including credit, property, transaction type and other program requirements.
 
My Credit Is in the 600s. Is a $2 Million+ Loan Still Possible?
Don't Automatically Disqualify Yourself Because You Don't Have Perfect Credit
 
This is where this program becomes particularly interesting.  A multimillion-dollar property does not necessarily require a borrower with perfect credit.  The program allows qualifying borrowers with FICO scores beginning at 600, although credit affects available leverage and pricing.
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Credit can change the structure of the transaction without automatically ending the conversation.
 
If you've been assuming your credit score makes your multimillion-dollar investment property impossible to finance, talk to us before making that decision yourself.

A Jumbo Loan Isn't Only for Your Next Purchase
 
Some of the most interesting financing opportunities may already be sitting inside properties you own.
If your residential investment property has appreciated substantially or you've paid down the existing debt you may have significant equity available.
 
Breclaw's Jumbo Investment Loan program includes both rate-and-term refinancing and cash-out refinancing.
 
That could mean exploring financing for:

• Refinancing existing investment-property debt

• Accessing equity for another investment opportunity

• Raising capital for renovations or another project

• Restructuring existing financing

• Creating liquidity without selling the property

 
Before you decide you need to sell an asset to raise capital, let's see what the asset itself may be able to do for you.
 
Foreign Investor With a High-Value U.S. Property?
There May Be a Financing Option for You, Too.
 
The program also provides options for qualifying foreign investors, including ITIN borrowers, with maximum leverage generally limited to 65% LTV under the current program guidelines.
 
If you're purchasing or refinancing a high-value U.S. residential investment property and don't fit neatly into traditional domestic lending guidelines, that doesn't necessarily mean the transaction stops.
 
Let us look at the property and financing structure first.
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Don't Start With the Loan. Start With the Deal.
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A $3 million investment property is different from a $300,000 investment property.  But our approach doesn't change.
We want to understand what you're trying to accomplish.
 

• Are you buying or refinancing?

• Trying to pull equity out?

• Trying to preserve cash for another investment?

• Trying to structure secondary financing?

 
The loan is only one part of the transaction.
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The better question isn't simply, “Can I get a loan?”
It's, “What's the best way to structure the capital?”
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Your Property Is Worth Millions. Let's See What That Gives You the Ability to Do.

If you're buying, refinancing or trying to access equity from a high-value residential investment property, don't assume a traditional bank is your only financing option.

Give us the basic five items:

1. Property address.

2. Property value or purchase price.

3. Existing loan balance.

4. Credit range.

5. What you're trying to accomplish.

We'll look at the transaction and determine whether the property and financing structure fit.

One conversation could completely change how you structure the deal.

Contact us​​​​​​​​​​​​

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