These are underwriting minimums, not a pre-approval. See the full United Wholesale Mortgage profile or compare requirements across the full lender directory.
United Wholesale Mortgage qualification minimums
| Minimum credit score | 640 |
|---|---|
| Minimum DSCR | 0.00 |
| Maximum LTV | 80% |
| Maximum LTC | 80% |
| Minimum loan size | $50K |
| Maximum loan size | $3.0M |
| States covered | 35 |
| Origination channel | Broker only |
What these minimums mean for a borrower
A minimum credit score is a floor, not a pricing tier — clearing 640 makes a file eligible for review, but the best pricing generally goes to borrowers well above the floor.
DSCR (debt service coverage ratio) compares the property's rent to its projected mortgage payment. A minimum DSCR of 0.00 means rent must cover 0% of the payment — below 100%, so the property does not have to fully cash-flow to qualify, though pricing typically gets worse the further below 1.00 the ratio sits.
Maximum LTV of 80% sets the ceiling on leverage: the loan can't exceed that share of the property's value, so the borrower's down payment (or equity, on a refinance) has to make up the rest.
What United Wholesale Mortgage doesn't publish
- Entity/LLC vesting requirement — not publicly published.
United Wholesale Mortgage Requirements FAQ
United Wholesale Mortgage's published minimum credit score is 640. This is a floor, not a guarantee of approval or of the best pricing.
United Wholesale Mortgage's published minimum DSCR is 0.00, meaning the property does not have to fully cover its own debt service to qualify.
United Wholesale Mortgage's published maximum LTV is 80%, with a maximum LTC of 80%.
United Wholesale Mortgage does not publish an LLC/entity-vesting requirement. Confirm directly before you set up your closing entity.
United Wholesale Mortgage is licensed in 35 states.
United Wholesale Mortgage originates through the broker only channel, with loan sizes from $50K to $3.0M.
This review is an independent directory listing. DSCR Loan Program is not affiliated with United Wholesale Mortgage, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.