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✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates

Wisconsin DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 5.80%

Rental property financing for Wisconsin investors qualified on property cash flow, not personal income, W-2s, or tax returns. Serving Milwaukee, Madison, Green Bay, Kenosha and the rest of Wisconsin. If the property cash-flows at 1.2× the mortgage, you may qualify.

  • 1.2 DSCR minimum
  • Credit is lender underwriting
  • Best-tier from 5.80%
  • 21–30 day close

Indicative as of August 1, 2026. Not a quote. Lenders set final pricing at underwriting.

See If You QualifyCalculate Your DSCR

Can I get a DSCR rental loan in Wisconsin?

Yes. DSCR loans in Wisconsin qualify investors based on property cash flow with a 1.2 DSCR minimum. Credit and equity injection are lender underwriting. PeerSense does not set a FICO floor. No tax returns, W-2s, or DTI calculation required. 1–4 unit residential and 5+ unit multifamily eligible. Governed best-tier floor 5.80% from rate-floors.json.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated August 1, 2026.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Wisconsin Rental Market Snapshot

State-level data DSCR underwriters use to size Wisconsin rental deals.

Median Home Price
$285K
Statewide single-family
Gross Rental Yield
6.0–9.0%
Annual rent / price
Eviction Timeline
30–45 days
landlord-friendly
Rate Adjustment
neutral
vs national baseline

Wisconsin is a quietly strong DSCR market. Milwaukee offers BRRRR-friendly multifamily/triplex inventory with 8–10% gross yields. Madison anchors premium UW-driven LTR demand with thinner cap rates. Green Bay and Kenosha-Racine produce middle-ground yields with manufacturing employment.

Major Wisconsin Markets We Serve

Active DSCR deal flow across Wisconsin's core rental markets. Same DSCR math statewide. Credit and equity injection are lender underwriting.

MetroMedian PriceGross YieldDSCR Investor Notes
Milwaukee$215K7.5–9.5%Largest WI market, deep multifamily inventory, BRRRR-friendly stock
Madison$425K5.0–6.0%UW + state capital employment, premium LTR pricing
Green Bay$265K6.5–8.0%Manufacturing/paper-industry employment, mid-cap-rate market
Kenosha$295K6.5–8.0%IL-border commuter market, Amazon/manufacturing employment
Wisconsin investor note:Wisconsin has no statewide rent control (preempted by ACT 108 of 2005). Madison's progressive housing politics have produced tighter local tenant protections than Milwaukee or Green Bay.

Wisconsin Eviction Timeline & Landlord Posture

How Wisconsin courts handle non-payment evictions, material to DSCR loss-severity assumptions.

Posture
landlord-friendly
Typical Timeline
30–45 days
Rent Control
None / preempted

Wisconsin Statutes Chapter 704 allow a 5-day notice for non-payment. Small claims eviction hearings typically resolve within 14–21 days of filing.

Wisconsin Rate Adjustment vs National Baseline

neutralover national baseline pricing

Sub-jumbo loan sizes and rent-control preemption keep loss severity below national average.

Final pricing depends on DSCR, LTV, property type, and program. Credit is lender underwriting. Governed best-tier floor 5.80% from rate-floors.json as of August 1, 2026.

DSCR Lenders Active in Wisconsin

The non-bank DSCR programs we see most frequently funding Wisconsin rental deals. PeerSense matches your scenario across this lender set rather than locking you into one.

  • Kiavi
  • Visio Lending
  • Lima One
  • RCN Capital
  • Easy Street Capital

PeerSense is independent, not a lender. Lenders listed are programs we have funded Wisconsin deals through; specific terms vary by file.

Wisconsin DSCR Loan Requirements

RequirementMinimumNotes
DSCR1.201.00+ exists on specialty programs. Credit and equity are lender underwriting.
CreditLender underwritingPeerSense does not set a FICO floor. Capture the score on the form.
EquityLender underwritingPurchase DSCR is commonly structured around 65 to 75% LTV. PeerSense does not set a typical down.
Property Type1–4 units or multifamilyCondos, townhomes, STRs OK where legal
Income DocsNoneNo tax returns, W-2s, DTI check
Reserves6 months PITIAChecking, savings, stocks qualify
Close Time21–30 daysCash-out refi: 14–21 days

Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Get Wisconsin DSCR Loan Terms

DSCR Rental: Response within 24–48 hours. No obligation.

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Related DSCR Resources