Investor 1–4 Large Balance Loan
Quick answer
Kismet Kapital's Investor 1–4 Large Balance loan finances 1–4 unit investment property from $2,000,000 to $10,000,000 on a 30-year, fully amortizing fixed rate for seasoned investors in major metropolitan markets. Purchases, rate-and-term refinances and cash-out refinances are eligible with simple income documentation.
- Loan size
- $2MM – $10MM
- Term
- 30 years, fixed
- Amortization
- Fully amortizing
- Borrower
- Seasoned investors
- Purpose
- Purchase / refi / cash-out
- Coverage
- Major metros
Overview
High-value 1–4 unit rentals in coastal and gateway markets routinely exceed conventional loan limits. The Large Balance program extends the same long-term fixed structure to balances up to $10,000,000, underwritten for experienced investors with a track record.
How it works
- Submit the property, value, rent and investor track record.
- Kismet returns a structured read within 48 hours.
- Appraisal and simple income documentation are collected.
- The loan closes on a 30-year fully amortizing fixed schedule.
Best for
- Luxury and high-value rentals in gateway markets
- Brownstones, townhomes and 2–4 unit buildings above $2MM
- Cash-out refinances on appreciated, high-value assets
- Seasoned investors consolidating into long-term debt
Key facts
The Investor 1–4 Large Balance loan ranges from $2,000,000 to $10,000,000.
The loan fully amortizes over 30 years with shorter terms available.
The program is available in major metropolitan markets.
Only seasoned investors with a documented track record are eligible.
Foreign investors are eligible and an ITIN is accepted.
Frequently asked questions
What's the maximum loan on a 1–4 unit rental?
$10,000,000. The Large Balance program covers 1–4 unit investment property from $2,000,000 to $10,000,000.
Where is the Large Balance loan available?
Major metropolitan markets. Properties in smaller markets may fit the 30-Year Fixed program up to $2,000,000.
Do first-time investors qualify?
No. The Large Balance program is reserved for seasoned investors with a documented track record.
Is the rate fixed?
Yes. The loan is a 30-year, fully amortizing fixed-rate loan, and shorter fixed terms are available.
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Submit your transaction or schedule an introduction call. Confidential review within 48 hours.