Case StudySponsored by Maverick Lending NYC
Breaking the Cap: Executing a 14-Unit DSCR Portfolio Beyond Institutional Limits
By Rocco Mandarino, Branch Manager at Maverick Lending NYCFebruary 25, 20263 min read
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.
About the author
Branch Manager at Maverick Lending NYC
Rocco Mandarino is Branch Manager of Maverick Lending NYC, leading a platform focused exclusively on DSCR and Non-QM investment property financing. In 2024, he originated over $93 million and is projected to rank among the nation's top private DSCR originators in the upcoming Scotsman Guide release. He specializes in build-to-rent portfolios, luxury SFR assets, and institutional-scale acquisition structuring.
