Breaking the Cap: Executing a 14-Unit DSCR Portfolio Beyond Institutional Limits

February 25, 2026.

In Houston, Texas, a real estate investor was under contract to acquire 14 newly constructed townhomes as long-term rental assets. The total financing requirement was $3,694,404, structured as acquisition loans.

While the asset quality and borrower profile were strong, the transaction exceeded two common secondary market thresholds. Most DSCR note buyers cap exposure at 10 financed properties per sponsor and limit aggregate loan balances at $3,000,000.

Placing and closing all 14 loans individually required a capital markets strategy and not just underwriting execution.

Rocco Mandarino, Branch Manager of Maverick Lending NYC, structured and executed 14 separate DSCR loans, navigating concentration limits while preserving flexibility and delivering synchronized closings across the entire portfolio.

Every loan has a story behind the numbers.

In this section, The Elite Officer highlights real-world cases where Loan Officers turned
complex challenges into successful closings. Each case shows how persistence, creativity, and financial strategy can make the difference between a stalled deal and a successful closing.