Access 240+ wholesale lender outlets tailored for real estate investors, self-employed business owners, and non-traditional borrowers. Select your target financing program below or use our instant selector to get matched.
1-4 & 5-8 Unit rental cash-out / purchase up to 80%-85% LTV. Zero tax returns.
Unlock investment equity up to 80% CLTV while protecting your low 1st rate.
Qualify via Bank Statements, P&L, 1099, or Assets up to 90% LTV.
Up to 100% Purchase & Rehab costs capped at 70%-75% ARV.
Fast short-term capital up to 80%-85% LTV to buy before selling.
Explore wholesale parameters designed specifically for real estate investors, business owners, and self-employed professionals across our top five capital channels.
Qualify strictly on property rental cash flow rather than personal tax returns. Ideal for long-term buy and hold strategies.
Access investment equity without touching or refinancing your low-rate primary mortgage. Revolving lines & fixed 2nds.
Designed for self-employed buyers and business owners qualifying via Bank Statements, CPA P&L, 1099, or Asset Utilization.
Agile rehab capital funding up to 100% of purchase and construction costs for residential and commercial repositioning.
Fast, non-contingent liquidity solutions allowing investors and homeowners to buy their next asset before selling their existing property.
Use our interactive program selector tool to get evaluated across 240+ wholesale matrices in under 2 minutes.
| Loan Program | Target Borrower / Property | Max Leverage | Loan Range | Income Verification | Quick Link |
|---|---|---|---|---|---|
| DSCR Investment Loan | 1-4 Unit & 5-8 Unit Rentals | Up to 80%–85% LTV | $100K – $3,500,000 | Property Rental Income (DSCR) | View Program → |
| DSCR HELOC / CES | 1-4 Unit & Multi-Unit Equity | Up to 80% CLTV | $50K – $1,000,000 | Rental Revenue / Equity Only | View Program → |
| Alt Doc / Non-QM | Self-Employed, 1099 & Wage Earners | Up to 90% LTV | $75K – $5,000,000 | Bank Statements, P&L, 1099, Assets | View Program → |
| Fix & Flip Loans | Investors & Professional Flippers | Up to 90% Cost / 75% ARV | $75K – $10,000,000 | Property ARV & Track Record | View Program → |
| Bridge Loans | Transition Properties & Quick Buys | Up to 80%–85% LTV | $100K – $15,000,000 | Asset Equity / Exit Strategy | View Program → |
Whether you are moving into your next luxury home, flipping a residential asset, or scaling a commercial rental portfolio, access flexible wholesale guidelines tailored to your exact investment scenario.
Bypass restrictive retail bank guidelines. We shop over 50 institutional lenders to find the exact program that fits your transaction.
Qualify using property rental cash flow (DSCR), bank statements, or asset depletion without submitting tax returns or W-2s.
Accelerated in-house underwriting, desk appraisal reviews, and streamlined entity vesting (LLC) ensure your deals close on schedule.
Maximize your return on equity with Fix & Flip loans covering up to 100% purchase + 100% rehab costs (max 75% ARV).
Access Bridge-to-Sale liquidity up to $20M+ with $0 monthly out-of-pocket payments while your current property sells for top dollar.
Work directly with Mitchell Dunn (NMLS #1378534) from initial scenario review to final funding for clear, honest, and expert guidance.
Eliminate unnecessary paperwork, bypass strict agency DTI limits, and secure custom financing matched specifically to your property type and financial profile.
Submit your property address, transaction type, and financial goals. We evaluate your scenario across 240+ wholesale lender matrices to lock in max leverage.
Whether qualifying via property cash flow, bank statements, or ARV appraisal, we verify your eligibility and issue a solid executive approval letter.
Close in 10 to 21 days depending on your chosen loan structure. Funds are disbursed smoothly so you can acquire, renovate, or access capital immediately.
Scale your rental portfolio without personal income verification or tax returns. Qualification is based entirely on rental income vs. mortgage payment.
Buy a primary home, secondary property, or investment asset without being penalized for legal tax write-offs or net tax return figures.
Fund acquisition and 100% of construction costs for residential and commercial flips with fast 24-hour draw disbursements.
Extract equity from existing real estate without sacrificing low primary rates, or bridge capital gaps when buying before selling.
We shop across top national wholesale outlets to pair your exact FICO, property type, and income documentation with maximum leverage.
Bypass rigid bank underwriting. Our loan programs emphasize real estate equity, property cash flow, and actual liquidity.
Streamlined appraisal options, desktop valuations, and direct underwriting ensure you meet tight contract and closing deadlines.
Understand how custom loan programs compare, what documentation is required, credit score benchmarks, and how to select the right financing path.
If you are buying or refinancing rental property without personal tax returns, DSCR is ideal. If you are self-employed buying a primary or secondary home, Alt Doc (Bank Statements/P&L) works best. For short-term rehabs, choose Fix & Flip, and for fast transitional liquidity, select Bridge Loans.
No. DSCR, DSCR 2nd Liens, Bank Statement, P&L Only, 1099, Asset Utilization, Bridge, and Fix & Flip programs operate completely outside traditional agency rules. Qualification is based on property cash flow, bank deposits, or asset valuation—never IRS tax returns.
Minimum credit requirements start at 600 FICO for Core Non-QM and select DSCR tiers, 620–640 FICO for standard DSCR, Fix & Flip, and WVOE, and 650–680 FICO for high-leverage 2nd liens, commercial multi-unit assets, and bridge financing.
As a premier mortgage broker through Loan Factory, Mitchell Dunn maintains direct wholesale relationships with over 240 top national lenders. This allows us to compare guidelines, pricing, and leverage limits to find the absolute best loan match for your exact scenario.
Because we eliminate tax return reviews and IRS tax transcript delays, our programs close significantly faster than standard bank loans: 10 to 14 days for DSCR and Bridge, and 14 to 21 days for Alt Doc Non-QM loans.
Yes! Our Standalone DSCR Closed-End Seconds (CES) and Investor DSCR HELOCs allow you to cash out up to 80% CLTV while keeping your existing 2.5%–4.5% primary mortgage completely intact.
Evaluate your property scenario, income documentation, or cash-out needs across 240+ wholesale matrices in under 2 minutes.