United Wholesale Mortgage for Wisconsin 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.
Wisconsin context
Wisconsin strong duplex and multi-unit DSCR. Property tax burden meaningful.
How United Wholesale Mortgage positions in Wisconsin
For Wisconsin specifically, United Wholesale Mortgage fits investors who match the hard money approach. The high cash flow profile of Wisconsin aggregate makes it a target market for United Wholesale Mortgage.
City-level coverage in Wisconsin
United Wholesale Mortgage provides DSCR coverage across Wisconsin metros including Milwaukee, Madison, and Green Bay. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Wisconsin 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 |
| Wisconsin property tax | 2.1% |
| Wisconsin state income tax | 7.65% |
United Wholesale Mortgage strengths in Wisconsin
- 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 Wisconsin. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Milwaukee is the top investor market in Wisconsin and falls within United Wholesale Mortgage national coverage. Milwaukee property tax follows the Wisconsin state rate of 2.1 percent. United Wholesale Mortgage typically underwrites Milwaukee acquisitions at standard rate sheets.
Yes. Madison ranks among the larger Wisconsin investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Madison matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Wisconsin metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Milwaukee, Madison, and Green Bay 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.
Wisconsin strong duplex and multi-unit DSCR. Property tax burden meaningful. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Wisconsin.
Wisconsin 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 Wisconsin 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.