Who DSCR Loans Are Best For
- Real estate investors building or expanding their portfolio
- Borrowers with complex or non-traditional income
- Self-employed or 1099 borrowers
- Buyers looking for short-term rental properties (Airbnb / VRBO)
- Investors seeking to refinance and pull out cash for their next deal
If the property cash flows, you can qualify.
How DSCR Loans Work
The formula is simple:
DSCR = Gross Monthly Rent ÷ Total Monthly Mortgage Payment
If the result is 1.0 or higher, the property covers its own debt - meaning it qualifies.
Example:
$2,000 monthly rent ÷ $1,800 monthly mortgage = 1.11 DSCR (✅ Approved!)
Some programs even allow DSCR ratios below 1.0 if you have strong credit or additional assets.
Where We Lend
We provide DSCR loans throughout the entire state of Wisconsin, including:
- Milwaukee, Waukesha, and Brookfield
- Madison, Dane County, and surrounding areas
- Green Bay, Appleton, and Oshkosh
- Eau Claire, La Crosse, and beyond
Whether you're buying locally or investing remotely, we've got you covered statewide.
Why Work with Adam Zeman at Union Home Mortgage
- Experienced DSCR loan specialist for Wisconsin investors
- Fast pre-approvals and minimal paperwork
- Local market knowledge with investor-friendly options
- I only ask for what's required - no unnecessary documents
- Personal service with direct communication start to finish
My team and I make it easy to close your next investment deal fast - whether you're a first-time investor or managing multiple doors.
Start Growing Your Rental Portfolio Today
Let's find the right DSCR loan for your next Wisconsin investment property.
- Email: azeman@uhm.com
- Phone: (414) 975-2654
Your next investment opportunity starts here. Let's make it happen.
