United Wholesale Mortgage for Kansas investors
United Wholesale Mortgage (UWM) is a broker-only DSCR lender licensed in 35 states. Its DSCR floor ranges from 0.00 to 1.00 depending on the specific program selected. Minimum credit score is 640, with loan sizes from $50,000 to $3,000,000 and maximum 80% LTV. The company does not publish rate figures in the sources reviewed.
Kansas context
Kansas strong cash flow.
How United Wholesale Mortgage positions in Kansas
For Kansas specifically, United Wholesale Mortgage fits investors who match the hard money approach. The high cash flow profile of Kansas aggregate makes it a target market for United Wholesale Mortgage.
City-level coverage in Kansas
United Wholesale Mortgage provides DSCR coverage across Kansas metros including Wichita, Kansas City KS, and Topeka. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Kansas metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $50K - $3.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Kansas property tax | 1.5% |
| Kansas state income tax | 5.7% |
United Wholesale Mortgage strengths in Kansas
- Licensed in 35 states
- DSCR floor ranges 0.00 to 1.00 depending on program
- Loan sizes from $50,000 to $3,000,000
- Broker-only origination
Ideal borrower: Broker-originated borrower whose DSCR program fit ranges from no-ratio (0.00) up to fully-qualifying (1.00) DSCR.
FAQ
Yes, operates nationally including Kansas. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Wichita is the top investor market in Kansas and falls within United Wholesale Mortgage national coverage. Wichita property tax follows the Kansas state rate of 1.5 percent. United Wholesale Mortgage typically underwrites Wichita acquisitions at standard rate sheets.
Yes. Kansas City KS ranks among the larger Kansas investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Kansas City KS matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Kansas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Wichita, Kansas City KS, and Topeka all qualify for the same United Wholesale Mortgage program.
United Wholesale Mortgage does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Kansas strong cash flow. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Kansas.
Kansas allows standard DSCR prepay structures; United Wholesale Mortgage typically uses 3-5 year step down.
United Wholesale Mortgage typical close: Not publicly published.
Bottom line
United Wholesale Mortgage in Kansas works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with United Wholesale Mortgage.