United Wholesale Mortgage for Wyoming 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.
Wyoming context
Wyoming no state income tax. Jackson Hole ultra-premium STR. Strong LLC privacy.
How United Wholesale Mortgage positions in Wyoming
Within Wyoming, United Wholesale Mortgage competes alongside other DSCR lenders. United Wholesale Mortgage strengths: Licensed in 35 states, DSCR floor ranges 0.00 to 1.00 depending on program. The medium aggregate DSCR economics of Wyoming create demand for United Wholesale Mortgage programs in Cheyenne and Casper particularly.
City-level coverage in Wyoming
United Wholesale Mortgage provides DSCR coverage across Wyoming metros including Cheyenne, Casper, and Jackson. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Wyoming 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 |
| Wyoming property tax | 0.6% |
| Wyoming state income tax | None |
United Wholesale Mortgage strengths in Wyoming
- 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 Wyoming. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Cheyenne is the top investor market in Wyoming and falls within United Wholesale Mortgage national coverage. Cheyenne property tax follows the Wyoming state rate of 0.6 percent. United Wholesale Mortgage typically underwrites Cheyenne acquisitions at standard rate sheets.
Yes. Casper ranks among the larger Wyoming investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Casper matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Wyoming metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Cheyenne, Casper, and Jackson 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.
Wyoming no state income tax. Jackson Hole ultra-premium STR. Strong LLC privacy. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Wyoming.
Wyoming 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
Wyoming 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.