United Wholesale Mortgage for Missouri 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.
Missouri context
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market.
How United Wholesale Mortgage positions in Missouri
For Missouri specifically, United Wholesale Mortgage fits investors who match the hard money approach. The high cash flow profile of Missouri aggregate makes it a target market for United Wholesale Mortgage.
City-level coverage in Missouri
United Wholesale Mortgage provides DSCR coverage across Missouri metros including St. Louis, Kansas City, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Missouri 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 |
| Missouri property tax | 1% |
| Missouri state income tax | 4.95% |
United Wholesale Mortgage strengths in Missouri
- 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 Missouri. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
St. Louis is the top investor market in Missouri and falls within United Wholesale Mortgage national coverage. St. Louis property tax follows the Missouri state rate of 1 percent. United Wholesale Mortgage typically underwrites St. Louis acquisitions at standard rate sheets.
Yes. Kansas City ranks among the larger Missouri investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Kansas City matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Missouri metros. Pricing variation comes from property-specific factors rather than metro location within the same state. St. Louis, Kansas City, and Springfield 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.
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Missouri.
Missouri 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 Missouri 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.