United Wholesale Mortgage for South Carolina 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.
South Carolina context
South Carolina low property tax. Charleston and Myrtle Beach STR active. Strong investor-friendly state.
How United Wholesale Mortgage positions in South Carolina
South Carolina is well covered by national DSCR lenders, with United Wholesale Mortgage as one option. Where United Wholesale Mortgage differentiates: Licensed in 35 states. Where it competes: rates not publicly published against peer programs.
City-level coverage in South Carolina
United Wholesale Mortgage provides DSCR coverage across South Carolina metros including Charleston, Columbia, and Greenville. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across South Carolina 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 |
| South Carolina property tax | 0.6% |
| South Carolina state income tax | 6.5% |
United Wholesale Mortgage strengths in South Carolina
- 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 South Carolina. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Charleston is the top investor market in South Carolina and falls within United Wholesale Mortgage national coverage. Charleston property tax follows the South Carolina state rate of 0.6 percent. United Wholesale Mortgage typically underwrites Charleston acquisitions at standard rate sheets.
Yes. Columbia ranks among the larger South Carolina investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Columbia matters for property selection.
United Wholesale Mortgage applies the same rate sheet across South Carolina metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charleston, Columbia, and Greenville 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.
South Carolina low property tax. Charleston and Myrtle Beach STR active. Strong investor-friendly state. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in South Carolina.
South Carolina 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 South Carolina 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.