💼 DSCR Loans in Wisconsin: What Real Estate Investors Need to Know
If you’re a real estate investor looking to finance a rental property without the red tape of traditional income verification, a DSCR loan could be the solution you’ve been waiting for.
At Union Home Mortgage, I help investors across Southeast Wisconsin leverage this powerful financing tool to build wealth through real estate - without needing to prove their W-2 income.
🔎 What Is a DSCR Loan?
DSCR stands for Debt Service Coverage Ratio. In simple terms, it measures the property’s income against its debt:
DSCR = Monthly Rent ÷ Monthly Loan Payment
If the rent covers (or exceeds) the mortgage, you're in business. A DSCR of 1.0 or higher typically qualifies.
This type of loan is ideal for:
- Self-employed borrowers
- Investors with multiple properties
- Buyers who want to qualify based on the property, not personal income
🧠 Why Investors Love DSCR Loans
✅ No Personal Income Required
Your loan approval is based on the cash flow of the property - not your job or tax returns.
✅ Flexible Property Types
Works great for single-family homes, multi-units, and short-term rentals (Airbnbs included in many cases).
✅ Fast Closings
With less paperwork, DSCR loans often close faster than traditional loans.
✅ Build Your Portfolio
Perfect for scaling your investments - even if you already own several properties.
⚠️ What to Watch Out For
- DSCR loans may require a higher down payment (typically 20 - 25%)
- Rates can be slightly higher than conventional loans
- Most lenders require a minimum DSCR (usually 1.0 - 1.25)
That's why it's crucial to work with a mortgage pro who understands investment financing.
📍 Local Expertise You Can Trust
As a loan officer based in Waukesha, I've helped investors from Milwaukee to Madison secure DSCR loans for everything from duplexes to vacation rentals. I'll help you run the numbers, compare options, and close with confidence.
✅ Ready to Run the Numbers?
Let's review your next rental deal and see if a DSCR loan makes sense.
📞 Schedule your free investor consult: https://calendly.com/adam-zeman/30min
📩 Or email me at: azeman@uhm.com