Guided Program Selection Tool

Find Your Ideal Loan Program In Under 30 Seconds.

Answer 3 quick questions about your property strategy and financial documentation to get matched with the exact wholesale mortgage matrix for your scenario.

Step 1 of 4 · Strategy Objective

What is your primary loan objective?

1–4 Unit DSCR Rental

Buy or cash-out 1–4 SFRs, duplexes, or condos using property rental cash flow.

5+ Unit Multifamily & Commercial

Value-add, DSCR rental, and construction debt from $250K to $20M+ for 5+ unit assets.

Extract Equity (Keep Low 1st Rate)

Access up to 80% CLTV via standalone 2nd lien or HELOC without touching your 1st mortgage.

Fix & Flip / Heavy Rehab

Fund purchase and 100% of construction/rehab budget up to 75% After-Repair Value (ARV).

Bridge Loan / Buy Before Selling

Fast short-term capital to purchase a new property prior to selling your current asset.

Step 2 of 4 · Property Occupancy

How will the property be occupied / used?

Program Incompatibility Hard Stop

DSCR, Fix & Flip, Bridge, and Multifamily loans are commercial products strictly for Non-Owner Occupied Investment Properties. Primary residences cannot be funded under commercial matrices.

Non-Owner Occupied (Investment Property)

Tenant occupied, short-term rental, or vacant investment asset leased for rental income.

Owner Occupied (Primary Residence)

You or a family member live in the home as your main personal residence.

Second Home / Vacation Property

Personal vacation home occupied periodically without rental income pooling.

Vacant / Value-Add Renovation Site

Unoccupied property undergoing active repositioning or heavy contractor rehab.

Step 3 of 4 · Sizing & Credit Parameters

What is your loan amount & credit score?

Minimum Loan Amount Hard Stop

Wholesale commercial matrices require a minimum loan amount. Requests below these limits do not meet lender criteria.

Requested Loan Amount ($) *

Credit Score Tier (FICO)

Step 4 of 4 · Borrower Details

Where should Mitchell send your matched program details?

First Name *

Last Name *

Email Address *

Phone Number *

Target Closing Timeline

Wholesale Matrix Match Complete

Start Over / Choose Different Strategy