United Wholesale Mortgage for Kentucky 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.
Kentucky context
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant.
How United Wholesale Mortgage positions in Kentucky
The Kentucky lender pool for DSCR includes United Wholesale Mortgage among the active platforms. Kentucky top metros (Louisville, Lexington, Bowling Green) see meaningful United Wholesale Mortgage loan volume.
City-level coverage in Kentucky
United Wholesale Mortgage provides DSCR coverage across Kentucky metros including Louisville, Lexington, and Bowling Green. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Kentucky 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 |
| Kentucky property tax | 0.9% |
| Kentucky state income tax | 4.5% |
United Wholesale Mortgage strengths in Kentucky
- 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 Kentucky. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Louisville is the top investor market in Kentucky and falls within United Wholesale Mortgage national coverage. Louisville property tax follows the Kentucky state rate of 0.9 percent. United Wholesale Mortgage typically underwrites Louisville acquisitions at standard rate sheets.
Yes. Lexington ranks among the larger Kentucky investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Lexington matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Kentucky metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Louisville, Lexington, and Bowling Green 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.
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Kentucky.
Kentucky 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 Kentucky 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.