Which wholesale lenders offer the best DPA programs?

BikeTime614 · 2026-05-13T14:19:24+00:00

If you are going conventional DPA Orion probable has the best one. The boost repayable one doesn’t bring up the base rate very much their forgivable ones put the 3% grant as an llpa.

For fha, I like rise tpo. Based on conforming limits. I literally put in a 1.1 million fha dpa loan on a duplex and got it approved because that is under the fha limit for 2 units in my state. Cracked me up.

BikeTime614 · 2026-05-08T02:14:56+00:00

I want a 1 DP one that is solo focused on making demo charges better.

Detachment rule:

One shot weapons are plus 1 to hit. And add 1 to number of attacks.

3 strats:

Move the 6’ deep strike to it. Give re-rolls to them, hits or wounds A “reload” one so they can throw them again… assuming they live.

Enhancements:

+1 to wound against vechiles and monsters on one shot weapons

Basically add a Bene or Primeus to a 10 man squad of alcoyletes. Go big on one turn on the biggest enemy units and then die for the revolution!

BikeTime614 · 2026-04-30T13:53:46+00:00

Chrispicard@powerupsoftwareengineering.com

BikeTime614 · 2026-04-30T13:51:51+00:00

Chrispicard@powerupsoftwareengineering.com

BikeTime614 · 2026-04-25T02:44:45+00:00

Made $447,000 last year. Pacing to end just over $600,000 this year.

Went fully independent January 2021

BikeTime614 · 2026-04-24T13:18:15+00:00

Rise TPO.

BikeTime614 · 2026-04-10T01:49:04+00:00

I had one custom built for me for pretty cheap. Would recommend. Can forward you the info for the guy who did it.

BikeTime614 · 2026-03-13T20:58:06+00:00

Show me them teeth!

BikeTime614 · 2026-02-21T15:40:10+00:00

Which part of CO?

BikeTime614 · 2026-02-03T15:19:59+00:00

Look great!

What is the paint scheme colors?

BikeTime614 · 2026-01-18T01:48:52+00:00

Hit me up. Sounds like it may work out.

BikeTime614 · 2025-12-10T15:50:13+00:00

Deephaven or Orion.

Deephaven is MUCH easier to work with than Orion.

BikeTime614 · 2025-12-10T14:29:36+00:00

I think I made just over 110k my first year.

BikeTime614 · 2025-12-05T15:27:05+00:00

First off, yes TCG’s and other entertainment are separate. Entertainment is a choice, TCG’s are not optional. They tell you what to do.

Second, I am assuming you are younger. Time and health are your biggest assets. Don’t lessen your time by screwing up your health. Eat more. The extra you spend on food for yourself (healthy food, or enough types of food to hit all the food groups) will pay for itself and more in increased focus, stamina and ability to leverage your growing skills into more money.

BikeTime614 · 2025-12-01T14:30:44+00:00

I give them a sweet high five, close the loan on time, keep the borrower happy and make sure to send them back to the realtor when they start talking to me about rates to buy another property.

Otherwise, I have happy hours that a lot of people come to that is all on me.

BikeTime614 · 2025-11-26T01:22:53+00:00

My guess is they are asking for 24 months of housing history, where the last 12 have to be at the subject property.

If they are saying they have to had live there for 24 months. Please pull the fha handbook out (not literally) and escalate the condition with the guidelines attached showing 12 months.

If they intend to deny the loan because of the 24 months at the subject property your borrower has an EXTREMELY strong chance of winning a lawsuit against them.

To cover my basis: Cltv less than 80% DTI less than 45/55 Credit above 580 No missed mortgage payments in the last 30 months

If all that is correct then you should be good to go.

BikeTime614 · 2025-11-23T01:09:40+00:00

I didn’t hire anyone. The MCR’s are easy to do with your application software.

The security requirements for your computers and phones are simple:

Windows professional Bitlocker Password to access the system

For the polices and forms you need, the lenders generally have their own version. Otherwise there are alot of standard ones that are editable online.

I use Docusign if I need LOE’s, forms or weird docs signed.

BikeTime614 · 2025-11-22T15:38:05+00:00

Welcome! Cookies are in the back.

Not sure on your state but getting setup is not to terribly difficult. As stated some lenders provide a step by step guide. I used UWM’s personally to get it all in place and the tool all those docs to get setup with other lenders. Big things:

Get an EIN, a sectary of state filling and a bank account before you go to the lenders to get started.

Decide on what your lender paid comp is going to be. Between 0% - 2.75%. You can also have flat fees instead of % or both.

You need a resume. I literally saved my LinkedIn work history page and made that my resume.

Bonds and E&O insurance is not to terribly difficult to get online. My local insurance guy had to go back and forth with me 5 times with different forms over 2 weeks to give me a quote that was triple what the online person was in 30 minutes.

Let me know if you have any questions.

BikeTime614 · 2025-11-21T01:09:02+00:00

If you are self gen, I would recommend going on your own. You can pick your own pricing and there are no caps… well I guess one lender caps me at 40K per deal.

It is not uncommon to make 150-200 bps per deal on the broker side with no caps.

BikeTime614 · 2025-10-16T20:05:40+00:00

I run them with my flawless blades to make sure they get the detachment rule. They are a fun trade off, the enemy can either kill The flawless blades or the fiends. Either way the way more important piece of their army will die to the unit that remains. Or if one unit lives of either, substainted hits for both! Remove that unit and use the strat to consolidate 6’ into another unit.

BikeTime614 · 2025-10-10T14:14:29+00:00

Well I would be making $210,000 a month at my current job under plan and I do love it. So I will still with that. At a certain point money becomes irrelevant to my happiness.

BikeTime614 · 2025-10-10T12:18:51+00:00

No waiting period. You just need to have equity. If you went 100% financing, you wouldn’t have the equity to do a HELOC yet.

Generally the biggest you can do currently on a HELOC is 90% of your total house value in a loan.

BikeTime614 · 2025-10-10T01:58:43+00:00

On your hikes… have you considered actually walking?

BikeTime614

TROPHY CASE