DSCR Wholesale Lenders for Brokers

92 wholesale lenders that advertise dscr programs to mortgage brokers. Source-linked profiles, headquarters, and last-checked dates.

Investor loans qualified on property cash flow rather than borrower income. 92 lenders in this directory advertise DSCR programs to brokers.

Lenders

• United Wholesale Mortgage — UWM originates exclusively through independent mortgage brokers, so its total company production is also its wholesale production. Public 2024 disclosures put it at roughly $139.7 billion across 366,078 originations — a figure drawn from HMDA and company reporting rather than the Scotsman Guide wholesale survey, and therefore not directly comparable to the wholesale-only figures below. View United Wholesale Mortgage dscr guidelines
• Kind Lending, LLC — Kind Lending is a broker-channel-dominant lender — the ranking shows 96% of its production coming through wholesale. It pairs a full agency and government menu with a growing non-QM shelf. View Kind Lending, LLC dscr guidelines
• OCMBC, Inc — OCMBC is the parent of several broker-facing non-QM brands and reports 83% of production through wholesale. Its shelf leans heavily on alternative-documentation and investor products. View OCMBC, Inc dscr guidelines
• Plaza Home Mortgage, Inc. — Plaza Home Mortgage is one of the broadest broker-channel menus in the market — agency, government, jumbo, non-QM, renovation, manufactured housing, and a dedicated reverse mortgage division. View Plaza Home Mortgage, Inc. dscr guidelines
• Paramount Residential Mortgage Group — PRMG operates retail and wholesale side by side, with roughly 45% of reported production in the broker channel. Its niche shelf includes renovation, one-time-close construction, and manufactured housing. View Paramount Residential Mortgage Group dscr guidelines
• Acra Lending — Acra Lending is a dedicated non-QM and business-purpose lender serving brokers and correspondents, with 85% of reported production in the wholesale channel. View Acra Lending dscr guidelines
• A&D Mortgage, LLC — A&D Mortgage is a broker-channel non-QM leader that also carries agency and government products. The ranking shows 90% of its production originating through wholesale. View A&D Mortgage, LLC dscr guidelines
• Orion Lending — Orion Lending is a broker-only wholesale lender known for its self-service pricing and submission technology, with an agency core and a non-QM shelf. View Orion Lending dscr guidelines
• theLender — theLender is a wholesale-first lender (92% of reported production) that pairs agency and government lending with down payment assistance and non-QM options for brokers. View theLender dscr guidelines
• Change Lending — Change Lending is a CDFI-certified lender whose broker channel focuses on borrowers underserved by agency guidelines, including self-employed and ITIN borrowers. View Change Lending dscr guidelines
• Emporium TPO — Emporium TPO is a pure third-party origination shop — the ranking reports 100% of production through the wholesale channel, split across broker and non-delegated correspondent brokers. View Emporium TPO dscr guidelines
• American Heritage Lending — American Heritage Lending focuses on business-purpose and investor products for brokers, spanning DSCR rentals, bridge, and rehab financing alongside non-QM consumer loans. View American Heritage Lending dscr guidelines
• First National Bank of America — First National Bank of America is a portfolio bank lender whose wholesale channel specializes in alternative-documentation and credit-event borrowers that agency guidelines exclude. View First National Bank of America dscr guidelines
• Carrington Mortgage Services — Carrington Wholesale is known among brokers for government lending down the credit spectrum plus a non-QM shelf aimed at recent-credit-event and self-employed borrowers. View Carrington Mortgage Services dscr guidelines
• FundLoans — FundLoans is a wholesale-only lender concentrated on large-balance non-QM. Its low unit count against high volume reflects an average loan size well above the market. View FundLoans dscr guidelines
• Ameritrust Mortgage Corp. — Ameritrust Mortgage serves brokers with agency, government, and select non-QM products, with roughly 45% of reported production in the wholesale channel. View Ameritrust Mortgage Corp. dscr guidelines
• Angel Oak Mortgage Solutions — Angel Oak Mortgage Solutions is a wholesale non-QM lender whose shelf is built around bank statement, asset qualifier, DSCR, and credit-event products. View Angel Oak Mortgage Solutions dscr guidelines
• Deephaven Mortgage — Deephaven is a dedicated non-QM lender serving brokers and correspondents, with expanded-prime, alternative-documentation, and investor DSCR products. View Deephaven Mortgage dscr guidelines
• Verus Mortgage Capital — Verus Mortgage Capital is a non-QM investor that buys expanded-credit and investor loans from originators, and is a common takeout behind broker-channel non-QM programs. View Verus Mortgage Capital dscr guidelines
• LoanStream Mortgage — LoanStream Mortgage is a wholesale lender pairing agency and government products with its NanQ non-QM series for self-employed, investor, and foreign national borrowers. View LoanStream Mortgage dscr guidelines
• Arc Home — Arc Home serves brokers and correspondents with both agency/government products and a non-QM shelf covering bank statement, asset qualification, and DSCR. View Arc Home dscr guidelines
• HomeXpress Mortgage — HomeXpress Mortgage is a wholesale non-QM lender focused on self-employed, investor, and recent-credit-event borrowers. View HomeXpress Mortgage dscr guidelines
• Champions Funding — Champions Funding is a CDFI-certified wholesale non-QM lender serving self-employed, investor, and underserved borrower segments through brokers. View Champions Funding dscr guidelines
• Logan Finance — Logan Finance is a wholesale non-QM lender known for scenario-desk underwriting on alternative-documentation and investor loans. View Logan Finance dscr guidelines
• Quontic Bank — Quontic Bank is a CDFI digital bank whose portfolio mortgage products include non-traditional documentation and ITIN lending. View Quontic Bank dscr guidelines
• Oaktree Funding — Oaktree Funding is a wholesale non-QM lender with alternative-documentation, investor, and foreign national programs. View Oaktree Funding dscr guidelines
• ClearEdge Lending — ClearEdge Lending is a wholesale non-QM lender that underwrites and funds its own balance-sheet products for brokers. View ClearEdge Lending dscr guidelines
• Newfi Wholesale — Newfi Wholesale offers brokers agency and non-QM products, including DSCR and bank statement qualification. View Newfi Wholesale dscr guidelines
• Nations Direct Mortgage — Nations Direct Mortgage serves brokers with agency and government lending plus a non-agency shelf for self-employed and investor borrowers. View Nations Direct Mortgage dscr guidelines
• JMAC Lending — JMAC Lending is a wholesale and correspondent lender combining agency delivery with jumbo and non-QM products. View JMAC Lending dscr guidelines
• Luxury Mortgage Corp — Luxury Mortgage's wholesale channel is built around jumbo and its Simple Access non-QM series for self-employed and investor borrowers. View Luxury Mortgage Corp dscr guidelines
• Excelerate Capital — Excelerate Capital is a wholesale lender specializing in non-QM and foreign national financing. View Excelerate Capital dscr guidelines
• Foundation Mortgage — Foundation Mortgage is a Florida-based portfolio lender with a long-running foreign national and non-QM niche. View Foundation Mortgage dscr guidelines
• Griffin Funding — Griffin Funding originates agency, VA, and non-QM products including DSCR and bank statement loans. View Griffin Funding dscr guidelines
• Kiavi — Kiavi is a business-purpose lender for real estate investors, offering bridge, rehab, new construction, and DSCR rental financing through a broker referral channel. View Kiavi dscr guidelines
• Lima One Capital — Lima One Capital finances residential real estate investors with fix-and-flip, new construction, rental, and portfolio loan products. View Lima One Capital dscr guidelines
• CoreVest Finance — CoreVest specializes in blanket and single-asset rental loans plus bridge and build-to-rent credit lines for investors. View CoreVest Finance dscr guidelines
• Visio Lending — Visio Lending is a DSCR-only investor lender with programs for long-term and short-term rental properties, distributed heavily through brokers. View Visio Lending dscr guidelines
• Velocity Mortgage Capital — Velocity Mortgage Capital is a broker-only lender for investor 1-4, multifamily, mixed-use, and small-balance commercial properties. View Velocity Mortgage Capital dscr guidelines
• RCN Capital — RCN Capital is a nationwide private lender offering short-term rehab, bridge, new construction, and long-term rental financing to investors and brokers. View RCN Capital dscr guidelines
• Anchor Loans — Anchor Loans is one of the longest-operating fix-and-flip lenders in the country, serving experienced investors and their brokers. View Anchor Loans dscr guidelines
• Temple View Capital — Temple View Capital is a business-purpose lender with rehab, bridge, construction, and DSCR products including foreign national eligibility. View Temple View Capital dscr guidelines
• Easy Street Capital — Easy Street Capital is a private investor lender offering rehab, bridge, and DSCR rental financing nationwide. View Easy Street Capital dscr guidelines
• Dominion Financial Services — Dominion Financial Services lends to real estate investors on rehab, rental, and portfolio transactions through a wholesale broker channel. View Dominion Financial Services dscr guidelines
• Constructive Loans — Constructive Loans is a business-purpose lender focused on DSCR rental and rehab products distributed through brokers. View Constructive Loans dscr guidelines
• Renovo Financial — Renovo Financial finances residential rehab and new construction projects for investors, with a Midwest and East Coast concentration. View Renovo Financial dscr guidelines
• Silver Hill Funding — Silver Hill Funding specializes in small-balance commercial and mixed-use loans and actively markets to residential mortgage brokers. View Silver Hill Funding dscr guidelines
• Axos Bank — Axos Bank is a digital bank whose lending arm offers portfolio jumbo, non-QM, and specialty real estate products through wholesale relationships. View Axos Bank dscr guidelines
• Hometown Equity Mortgage (HEM) — Hometown Equity Mortgage is a wholesale non-QM lender with residential investor, foreign national, and small commercial products. View Hometown Equity Mortgage (HEM) dscr guidelines
• NQM Funding — NQM Funding is a wholesale non-QM lender covering alternative documentation, investor DSCR, foreign national, and ITIN scenarios. View NQM Funding dscr guidelines
• Carrington Investor Advantage — Carrington's investor product line offers DSCR-qualified rental financing to brokers, including vesting in an LLC. View Carrington Investor Advantage dscr guidelines
• AmWest Funding — AmWest Funding is a wholesale lender combining agency and government products with non-QM, DSCR, and ITIN programs. View AmWest Funding dscr guidelines
• Mega Capital Funding — Mega Capital Funding is a wholesale lender offering agency, jumbo, and non-QM products including foreign national financing. View Mega Capital Funding dscr guidelines
• GreenBox Loans — GreenBox Loans is a wholesale non-QM lender with programs for self-employed, ITIN, and foreign national borrowers. View GreenBox Loans dscr guidelines
• WestOne Lending — WestOne Lending is a wholesale lender focused on non-QM and business-purpose investor products. View WestOne Lending dscr guidelines
• Sunset Equity Funding — Sunset Equity Funding is a private lender offering bridge, rehab, DSCR, and commercial financing to brokers and investors. View Sunset Equity Funding dscr guidelines
• Equity Prime Mortgage — Equity Prime Mortgage is a wholesale and correspondent lender with a strong government emphasis plus non-QM and investor products. View Equity Prime Mortgage dscr guidelines
• ArcStone Financial — ArcStone Financial is a business-purpose lender for residential investors, with rehab, construction, and DSCR products. View ArcStone Financial dscr guidelines
• Roc360 / Roc Capital — Roc360 funds business-purpose loans through a broker and partner network, covering bridge, rehab, ground-up, and rental products. View Roc360 / Roc Capital dscr guidelines
• Toorak Capital Partners — Toorak Capital Partners buys business-purpose loans from originators. Brokers rarely close directly with Toorak but frequently transact with lenders it funds. View Toorak Capital Partners dscr guidelines
• AmeriSave Wholesale Mortgage Solutions — AmeriSave's TPO division gives brokers agency and government pricing plus a non-agency shelf including DSCR and bank statement products. View AmeriSave Wholesale Mortgage Solutions dscr guidelines
• LendSure Mortgage Corp. — LendSure Mortgage Corp. is a wholesale non-QM lender whose broker shelf covers bank statement, DSCR, foreign national, and expanded-credit scenarios. View LendSure Mortgage Corp. dscr guidelines
• Citadel Servicing Corporation — Citadel Servicing Corporation is the legacy non-QM originator now operating under the Acra Lending brand, historically one of the earliest broker-channel non-QM shelves. View Citadel Servicing Corporation dscr guidelines
• LendingOne — LendingOne is a business-purpose lender for real estate investors, with rental DSCR, fix-and-flip, bridge, and new-construction products available through broker partners. View LendingOne dscr guidelines
• Park Place Finance — Park Place Finance is a private lender focused on fix-and-flip, bridge, and DSCR rental loans for investors and their brokers. View Park Place Finance dscr guidelines
• Civic Financial Services — Civic Financial Services is an institutional investor lender offering DSCR rental, bridge, and rehab financing to brokers serving real estate investors. View Civic Financial Services dscr guidelines
• Archwest Capital — Archwest Capital provides business-purpose rental, bridge, and construction financing for residential investors through broker and direct channels. View Archwest Capital dscr guidelines
• CV3 Financial Services — CV3 Financial Services is a business-purpose lender for residential real estate investors, with DSCR rental, bridge, and rehab programs for brokers. View CV3 Financial Services dscr guidelines
• Templeton Financial Services — Templeton Financial Services works with brokers on non-QM and business-purpose scenarios that fall outside agency and conventional guidelines. View Templeton Financial Services dscr guidelines
• LoanUnited Wholesale — LoanUnited operates a broker channel pairing agency and government products with select non-QM and investor options. View LoanUnited Wholesale dscr guidelines
• Capital Fund I — Capital Fund I publishes a private fix-and-flip lending channel in its own public materials, which is the basis for this listing. Those materials reference Bridge, Ground-Up Construction, DSCR, Fix & Flip and additional lending (lender-advertised tags: Bridge, Construction, DSCR, Fix & Flip, Foreign National, Investor). Its NMLS ID is 396288. Capital Fund I does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Capital Fund I dscr guidelines
• Center Street Lending — Center Street Lending publishes a private fix-and-flip lending channel in its own public materials, which is the basis for this listing. Those materials reference Bridge, Ground-Up Construction, DSCR, Fix & Flip lending (lender-advertised tags: Bridge, Construction, DSCR, Fix & Flip). Its NMLS ID is 905781. Center Street Lending does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Center Street Lending dscr guidelines
• Dunmor — Dunmor publishes a private fix-and-flip lending channel in its own public materials, which is the basis for this listing. Those materials reference Bridge, Ground-Up Construction, DSCR, Fix & Flip lending (lender-advertised tags: Bridge, Construction, DSCR, Fix & Flip, Investor). Its NMLS ID is 2008475. Dunmor does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Dunmor dscr guidelines
• Flatiron Realty Capital — Flatiron Realty Capital publishes a private DSCR lending channel in its own public materials, which is the basis for this listing. Those materials reference Ground-Up Construction, DSCR, Fix & Flip lending (lender-advertised tags: Construction, DSCR, Fix & Flip, Investor). Flatiron Realty Capital does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Flatiron Realty Capital dscr guidelines
• Fund That Flip (Upright) — Fund That Flip (Upright) publishes a private fix-and-flip lending channel in its own public materials, which is the basis for this listing. Those materials reference Bridge, DSCR, Fix & Flip lending (lender-advertised tags: Bridge, DSCR, Investor). Fund That Flip (Upright) does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Fund That Flip (Upright) dscr guidelines
• Global Integrity Finance — Global Integrity Finance publishes a private-lending channel in its own public materials, which is the basis for this listing. Those materials reference Bridge, Ground-Up Construction, DSCR, Fix & Flip lending (lender-advertised tags: Bridge, Construction, DSCR, Fix & Flip, Investor). Its NMLS ID is 1829341. Global Integrity Finance does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Global Integrity Finance dscr guidelines
• Jet Direct Mortgage — Jet Direct Mortgage publishes a wholesale/TPO channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Conventional, DSCR, FHA and additional lending (lender-advertised tags: Bank Statement, Conventional, DSCR, FHA, ITIN, Jumbo, Non-QM, Reverse, VA). Its NMLS ID is 3542. Jet Direct Mortgage does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Jet Direct Mortgage dscr guidelines
• LendSure Mortgage Corp — LendSure Mortgage Corp publishes a Non-QM wholesale channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Bridge, Ground-Up Construction, Conventional and additional lending (lender-advertised tags: Bank Statement, Bridge, Construction, Conventional, DSCR, Fix & Flip, Foreign National, ITIN, Jumbo, Non-QM). Its NMLS ID is 1326437. LendSure Mortgage Corp does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View LendSure Mortgage Corp dscr guidelines
• Lendz Financial — Lendz Financial publishes a Non-QM wholesale channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, DSCR, Foreign National, Jumbo and additional lending (lender-advertised tags: Bank Statement, DSCR, Foreign National, Jumbo, Non-QM). Its NMLS ID is 1891964. Lendz Financial does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Lendz Financial dscr guidelines
• North American Savings Bank — North American Savings Bank publishes a bank TPO channel that includes Non-QM products in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Bridge, Ground-Up Construction, Conventional and additional lending (lender-advertised tags: Bank Statement, Bridge, Construction, Conventional, DSCR, FHA, Jumbo, Non-QM, VA). Its NMLS ID is 400039. North American Savings Bank does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View North American Savings Bank dscr guidelines
• Prime Choice Funding — Prime Choice Funding publishes a wholesale/TPO channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Conventional, DSCR, FHA and additional lending (lender-advertised tags: Bank Statement, Conventional, DPA, DSCR, FHA, Jumbo, Non-QM, Reverse, VA). Its NMLS ID is 117375. Prime Choice Funding does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Prime Choice Funding dscr guidelines
• Redwood Trust (CoreVest/Aspire) — Redwood Trust (CoreVest/Aspire) publishes an investor and jumbo lending channel in its own public materials, which is the basis for this listing. Those materials reference DSCR, Jumbo lending. Redwood Trust (CoreVest/Aspire) does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Redwood Trust (CoreVest/Aspire) dscr guidelines
• Ridge Lending Group — Ridge Lending Group publishes an investor lending channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Bridge, DSCR, FHA and additional lending (lender-advertised tags: Bank Statement, Bridge, DSCR, FHA, Foreign National, HELOC, Non-QM, USDA, VA). Its NMLS ID is 42056. Ridge Lending Group does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Ridge Lending Group dscr guidelines
• Sharestates — Sharestates publishes a private fix-and-flip lending channel in its own public materials, which is the basis for this listing. Those materials reference DSCR, Fix & Flip lending (lender-advertised tags: Investor). Its NMLS ID is 1538766. Sharestates does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Sharestates dscr guidelines
• Zeus Lending — Zeus Lending publishes a private-lending channel in its own public materials, which is the basis for this listing. Those materials reference Bridge, Ground-Up Construction, FHA, Fix & Flip and additional lending (lender-advertised tags: Bridge, Construction, FHA, Fix & Flip, Investor, VA). Its NMLS ID is 296097. Zeus Lending does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Zeus Lending dscr guidelines
• Baker Collins & Co — Baker Collins & Co publishes a private-lending channel in its own public materials, which is the basis for this listing. Those materials reference Ground-Up Construction, Fix & Flip, DSCR, Bridge lending (lender-advertised tags: Construction, Fix & Flip, Investor). Baker Collins & Co does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Baker Collins & Co dscr guidelines
• Beeline Loans — Beeline Loans publishes a Non-QM and DSCR wholesale channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, DSCR, FHA, Non-QM lending (lender-advertised tags: Bank Statement, DSCR, FHA). Its NMLS ID is 1799947. Beeline Loans does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Beeline Loans dscr guidelines
• BluePoint Mortgage — BluePoint Mortgage publishes a wholesale/TPO channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Conventional, DSCR, FHA and additional lending (lender-advertised tags: Bank Statement, Conventional, DSCR, FHA, ITIN, Non-QM). Its NMLS ID is 320004. BluePoint Mortgage does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View BluePoint Mortgage dscr guidelines
• Certain Lending — Certain Lending publishes a private-lending channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Ground-Up Construction, DSCR, Fix & Flip and additional lending (lender-advertised tags: Bank Statement, Construction, DSCR, Fix & Flip, Foreign National, Investor). Its NMLS ID is 1716495. Certain Lending does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Certain Lending dscr guidelines
• Legacy Home Loans — Legacy Home Loans publishes a wholesale/TPO channel in its own public materials, which is the basis for this listing. Those materials reference DSCR, VA, Conventional lending (lender-advertised tags: DSCR, VA). Its NMLS ID is 236233. Legacy Home Loans does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Legacy Home Loans dscr guidelines
• Priority Investor Loans — Priority Investor Loans publishes a DSCR investor lending channel in its own public materials, which is the basis for this listing. Those materials reference Fix & Flip, DSCR lending (lender-advertised tags: Fix & Flip, Investor). Priority Investor Loans does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Priority Investor Loans dscr guidelines
• Radius Financial Group — Radius Financial Group publishes a wholesale/TPO channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Bridge, Ground-Up Construction, DSCR and additional lending (lender-advertised tags: Bank Statement, Bridge, Construction, DSCR, FHA, ITIN, Jumbo, Reverse, USDA). Its NMLS ID is 1846. Radius Financial Group does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Radius Financial Group dscr guidelines