Access fast, flexible financing across 50+ wholesale lending matrices. Specializing in Bridge-to-Sale equity cash outs, 100% Fix & Flip rehab loans, and DSCR rental debt with no tax returns or DTI required.
Buy your next property before selling your current home ($0 monthly payments).
Up to 100% purchase & rehab funding with fast 24-hour draw turnarounds.
Qualify based on rental property cash flow. No tax returns or W-2s required.
Compare loan options, terms, and guidelines across all programs in 2 minutes.
Unlike retail banks constrained by strict DTI rules and limited guidelines, Mitchell Dunn operates as a direct wholesale partner with over 50 institutional lenders. We shop your scenario across multiple matrices to secure optimal pricing, maximum leverage, and zero-tax-return underwriting.
Bypass retail markup. We shop leading wholesale lender desks to deliver institutional pricing and reduced origination fees directly to you.
Qualify using rental cash flow (DSCR), bank statements, or asset depletion without submitting personal tax returns or W-2s.
In-house underwriting, desk appraisal reviews, and streamlined entity vesting (LLC) ensure your transaction closes on time without delays.
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.
Review key leverage limits, loan sizing, minimum credit score rules, and property eligibility across our primary residential and commercial wholesale programs.
Get clear, direct answers regarding qualification rules, loan program structures, entity requirements, and fast wholesale approvals.
We offer three primary private & wholesale lending programs: Bridge-to-Sale Capital (buy before you sell with $0 monthly payments), Fix & Flip Rehab Loans (up to 100% purchase & rehab financing), and DSCR Rental Mortgages (1-4 residential and 5-10+ commercial units qualified without tax returns).
DSCR (Debt Service Coverage Ratio) loans evaluate the cash flow of the subject property rather than personal borrower income. If the gross monthly rental revenue equals or exceeds the property's PITIA debt payment, the loan qualifies without tax returns, W-2s, or DTI calculations.
Because we work directly with wholesale lender desks utilizing streamlined in-house valuations and desk reviews, Fix & Flip and Bridge loans can close in as few as 7 to 10 business days, while DSCR rental mortgages typically close in 14 to 21 days.
Retail banks have strict DTI caps, rigid guidelines, and only sell their own proprietary products. As a wholesale broker with over 50 institutional lender relationships, Mitchell Dunn shops your specific scenario across dozens of matrices to secure lower rates, higher LTV caps, and flexible underwriting.
Yes! In fact, most business-purpose investor loans (DSCR, Fix & Flip, Commercial, and non-owner occupied Bridge loans) prefer or require closing under an LLC, S-Corp, or Corporate Entity for asset protection and liability isolation.
Credit score thresholds start at 620 FICO for DSCR and Fix & Flip loans, and 680+ for Bridge-to-Sale programs. Liquid reserve requirements range from 3 to 12 months of PITIA depending on loan size, and cash-out refi proceeds can often satisfy reserve rules.