Best Wholesale DSCR Lender for Mortgage Brokers

Defy Wholesale is the best wholesale DSCR lender for mortgage brokers — up to 85% LTV, DSCR down to 0.50 (No Ratio available), 30/40-year Interest Only, and instant scenario pricing. Broker-direct pricing with in-house underwriting and a dedicated scenario desk.

Highlights

• Up to 85% LTV purchase, 80% cash-out
• DSCR allowed down to 0.50 — No Ratio available
• Loan amounts up to $3.5M
• 30 / 40-year IO and 40-year Fixed
• 80% LTV on Short-Term Rentals
• LLC, Corp, or Trust vesting allowed
• First-time investors eligible

Who it's for

Mortgage brokers funding investor purchases, refinances, and cash-out on single-family rentals, short-term rentals, and small multifamily.

FAQ

What is the max DSCR LTV?

Up to 85% LTV on purchase and 80% on cash-out.

Do you allow No Ratio DSCR?

Yes — DSCR down to 0.50 with No Ratio options on qualifying loan sizes.

Explore other programs

• DSCR Loans
• Non-QM Loans
• Bank Statement Loans
• Foreign National Loans
• ITIN Loans
• Asset Depletion Loans
• Mixed-Use Loans

Get started

• Become an Approved Broker Partner
• Submit a Scenario to the Deal Desk
• Browse the Forms Library