Broker-First Wholesale Lender
Better Lending
for Brokers Who Demand More
More speed, more support, and more reasons for your clients to trust you, every step of the way.
Built for Brokers
Why Brokers Choose OLV Capital
We’ve designed OLV Capital with one goal in mind: to put brokers first.
That means giving you the tools, flexibility, and support to drive your business forward.
Your Clients,
Your Control
We’ll NEVER contact your clients, our job is to support you, not compete with you.
Big Power,
Boutique Service
Industry-leading rates with personalized, broker-first support to help you win more deals.
Speed That
Closes Deals
Fast underwriting, streamlined processes, and total transparency to get your deals done.
Close More, Faster
Your No-Hassle
DSCR Loan
Close deals faster and satisfy even the most time-sensitive clients with our premier DSCR loan.
Turn every deal into a win with the wholesale lender that knows what brokers need to succeed.
Exclusive Partnership
The Wholesale Partner Brokers Trust
Exclusively for Brokers
OLV Capital partners exclusively with mortgage brokers who serve credible investors seeking premium DSCR financing solutions.
- Tailored DSCR Financing
- Industry Expertise You Can Trust
- Streamlined Loan Process
- Dedicated Broker Support
Built for Brokers, Across the Map
OLV Capital supports brokers across many U.S. markets and is continuing to expand to help you close more deals. Use the map to confirm where we're currently lending.
States Served
Lending coverage across 39 states plus Washington, DC, and we're continuing to expand.
Current Exclusions
- California
- Arizona
- Utah
- Nevada
- Oregon
- South Dakota
- North Dakota
- Idaho
- Minnesota
- Iowa
- Vermont
Our Approach
Close Faster and Easier with OLV Capital
Your deals. Your branding. Our backing. Let’s grow together.
01
Submit Your Deal
Quick, hassle-free submissions through our portal.
02
Fast Approvals
Efficient underwriting with flexible solutions.
03
Close & Grow
Close faster, protect your relationships, earn more.
Commom Question
Frequently Asked Questions
Most lenders require a minimum DSCR of 1.0x (break-even cash flow). Some DSCR loan programs offer low-DSCR or no-DSCR options, with minimums as low as 0.75x, but these typically require a higher credit score and/or a larger down payment. OLV Capital offers DSCR loans down to 0.75x
Yes. Many DSCR lenders allow (and often prefer) closing in an LLC, corporation, or trust to help keep the mortgage off your personal credit report.
Qualifying rental income is typically calculated using the lower of the signed lease amount or the appraiser’s market rent (reported on Form 1007 for single-family or Form 1025 for 2–4 unit properties. If you provide two months of verified rent payments, we can often use the actual rent, even when it’s higher than Fair Market Rent (FMR).
The maximum purchase loan-to-value (LTV) is typically 80% (20% down). For borrowers with lower credit scores or specialized property types, the max LTV may be 70%–75%. OLV Capital may offer up to 85% LTV on purchases in select scenarios, based on credit and DSCR.
No. OLV Capital doesn’t qualify loans using short-term rental income such as Airbnb or VRBO.
Unlike conventional loans (limited to 10), most DSCR programs have no limit on the number of properties an investor can own or finance simultaneously.
Yes, most DSCR loans have a 1–5 year prepayment penalty. OLV Capital offers options from no PPP to 5 years, and the penalty can often be “bought down” or waived for a slightly higher interest rate.
Most wholesale lenders require a minimum FICO of 620–660. At OLV Capital, the minimum credit score is typically 660 FICO.
Yes. Many DSCR lenders can calculate qualifying income using the Interest-Only (IO) payment instead of full principal and interest, which can make it easier for the property to meet DSCR requirements.
Not always. Many DSCR loan programs allow vacant property financing if the appraisal includes a market rent analysis (Form 1007) showing the projected rent can support the payment. OLV Capital does not require a lease for purchases, and refinances on vacant properties may be approved case-by-case.
Broker-First Wholesale Lender
Partner With a
Wholesale Lender
Who Delivers More
More speed, more expertise, and more ways to help your clients win. If you’re ready for a wholesale partner who’s truly in your corner, we’re ready for you.
Become an Approved Broker
Join our network of approved brokers.
Apply now to deliver the speed, support, and expertise your clients expect.
- Faster Turnaround Times
- Dedicated Partner Support
- Exclusive Broker Resources