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Rates

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

Rental property financing for Wyoming investors qualified on property cash flow, not personal income, W 2s, or tax returns. Serving Cheyenne, Casper, Laramie and the rest of Wyoming. 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 to 30 day close

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

Talk to PeerSenseCalculate Your DSCR

Can I get a DSCR rental loan in Wyoming?

Yes. DSCR loans in Wyoming 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 to 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 October 1, 2026.

Indicative only, as of October 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 sources the file. The lender sets pricing. What these terms mean.

Wyoming Rental Market Snapshot

State level data DSCR underwriters use to size Wyoming rental deals.

Median Home Price
$355K
Statewide single family
Gross Rental Yield
5.5 to 7.5%
Annual rent / price
Eviction Timeline
30 to 45 days
landlord-friendly
Rate Adjustment
+0.125%
vs national baseline

Wyoming is a small DSCR market with two distinct profiles. Cheyenne (state capital + F.E. Warren AFB) and Casper (oil/gas) anchor stable LTR demand at 6 to 8% yields. Jackson Hole is one of the most expensive markets in the country with restricted STR registrations and premium nightly rates. Laramie's UW student housing produces seasonal LTR patterns.

Major Wyoming Markets We Serve

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

MetroMedian PriceGross YieldDSCR Investor Notes
Cheyenne$365K6.0 to 7.5%State capital + F.E. Warren AFB military, stable LTR demand
Casper$285K6.5 to 8.0%Oil/gas employment cyclicality, mid cap rate market
Laramie$305K6.0 to 7.5%UW student housing demand, seasonal LTR vacancy patterns
Wyoming investor note:Wyoming has no statewide rent control and no state income tax. Jackson Hole STR market commands premium nightly rates but operator entry is heavily restricted.

Wyoming Eviction Timeline & Landlord Posture

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

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

Wyoming Statute § 1 21 to 1003 allows a 3 day notice for non payment. Circuit court forcible entry actions typically resolve within 14 days of filing.

Wyoming Rate Adjustment vs National Baseline

+0.125%over national baseline pricing

Smaller, less liquid market means modest lender premium; energy employment cyclicality factored into reserves.

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 October 1, 2026.

DSCR Lenders Active in Wyoming

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

  • Kiavi
  • Visio Lending
  • Lima One

PeerSense sources capital through a curated network of commercial lenders and capital sources. Lenders listed are programs we have funded Wyoming deals through; specific terms vary by file.

Wyoming 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 to 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 to 30 daysCash out refi: 14 to 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 October 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 sources the file. The lender sets pricing. What these terms mean.

Get Wyoming DSCR Loan Terms

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