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?

Investment Property Rental

Buy or cash-out 1-4 unit SFR, condos, or 5-10+ unit multi-family using rental cash flow.

Extract Equity (Keep Low 1st Rate)

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

Primary or 2nd Home (Self-Employed)

Buy or refi using Bank Statements, CPA P&L, 1099, WVOE, or Liquid Assets without tax returns.

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 · Documentation Type

How do you prefer to verify income / qualification?

Property Rental Cash Flow (DSCR)

Underwritten strictly on rental income vs. mortgage PITIA. Zero personal tax returns.

12/24M Bank Statements or P&L

Average personal/business bank deposits or 12-month CPA P&L statement.

Rehab Budget & After-Repair Value

Qualified based on rehab feasibility, property ARV, and investor track record.

Liquid Assets / Equity Only

Convert checking, savings, stock, or retirement accounts into qualifying monthly income.

Step 3 of 4 · Credit Score Range

What is your estimated credit score (FICO)?

720+ FICO (Prime Tier)

Unlocks maximum leverage tiers (up to 85%-90% LTV) and lowest wholesale rates.

660 - 719 FICO

Eligible for standard leverage across DSCR, Alt Doc, 2nd Liens, and Fix & Flip.

620 - 659 FICO

Eligible for core DSCR, 100% Fix & Flip options, and flexible Alt Doc Non-QM programs.

Foreign National / ITIN / No US Credit

Specialized Foreign National DSCR and ITIN programs with passport/credit letters.

Step 4 of 4 · Borrower Details

Where should Mitchell send your matched program details?

100% Wholesale Match Found

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