United Wholesale Mortgage for Louisiana 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.
Louisiana context
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost.
How United Wholesale Mortgage positions in Louisiana
For Louisiana specifically, United Wholesale Mortgage fits investors who match the hard money approach. The high cash flow profile of Louisiana aggregate makes it a target market for United Wholesale Mortgage.
City-level coverage in Louisiana
United Wholesale Mortgage provides DSCR coverage across Louisiana metros including New Orleans, Baton Rouge, and Shreveport. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Louisiana 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 |
| Louisiana property tax | 0.6% |
| Louisiana state income tax | 4.25% |
United Wholesale Mortgage strengths in Louisiana
- 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 Louisiana. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
New Orleans is the top investor market in Louisiana and falls within United Wholesale Mortgage national coverage. New Orleans property tax follows the Louisiana state rate of 0.6 percent. United Wholesale Mortgage typically underwrites New Orleans acquisitions at standard rate sheets.
Yes. Baton Rouge ranks among the larger Louisiana investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Baton Rouge matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Louisiana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. New Orleans, Baton Rouge, and Shreveport 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.
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Louisiana.
Louisiana 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
For Louisiana DSCR borrowers, United Wholesale Mortgage is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with United Wholesale Mortgage.