United Wholesale Mortgage for Tennessee 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.
Tennessee context
Tennessee no state income tax. Memphis among deepest cash flow markets. Nashville STR contested. Smoky Mountains STR (Pigeon Forge, Gatlinburg) major market.
How United Wholesale Mortgage positions in Tennessee
The Tennessee lender pool for DSCR includes United Wholesale Mortgage among the active platforms. Tennessee top metros (Nashville, Memphis, Knoxville) see meaningful United Wholesale Mortgage loan volume.
City-level coverage in Tennessee
United Wholesale Mortgage provides DSCR coverage across Tennessee metros including Nashville, Memphis, and Knoxville. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Tennessee 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 |
| Tennessee property tax | 0.7% |
| Tennessee state income tax | None |
United Wholesale Mortgage strengths in Tennessee
- 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 Tennessee. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Nashville is the top investor market in Tennessee and falls within United Wholesale Mortgage national coverage. Nashville property tax follows the Tennessee state rate of 0.7 percent. United Wholesale Mortgage typically underwrites Nashville acquisitions at standard rate sheets.
Yes. Memphis ranks among the larger Tennessee investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Memphis matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Tennessee metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Nashville, Memphis, and Knoxville 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.
Tennessee no state income tax. Memphis among deepest cash flow markets. Nashville STR contested. Smoky Mountains STR (Pigeon Forge, Gatlinburg) major market. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Tennessee.
Tennessee 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
Tennessee investors considering United Wholesale Mortgage should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with United Wholesale Mortgage.