DSCR Loans in Wisconsin – Invest in Real Estate Without Traditional Income Proof (2025 Guide)
Thinking about buying an investment property in Wisconsin, but don't want to deal with tax returns or employment docs? DSCR loans might be your golden ticket.
A Debt Service Coverage Ratio (DSCR) loan allows investors to qualify for financing based on rental income - not their personal income. No W2s, no paystubs, no headaches. These loans are designed for real estate investors looking to grow their portfolio without jumping through traditional hoops.
What Is a DSCR Loan?
A DSCR loan is a non-QM (non-qualified mortgage) that uses the property’s income to qualify - not your job income. Lenders look at how much rent the property brings in versus how much the monthly mortgage payment will be.
If the rent covers the mortgage (typically a DSCR of 1.0 or higher), you may qualify.
Key Benefits of DSCR Loans in Wisconsin
✅ No personal income verification
✅ No tax returns or W2s required
✅ Works for short-term and long-term rentals
✅ Great for self-employed and full-time investors
✅ Close in an LLC or business entity name
Whether you’re eyeing a duplex in Milwaukee or an Airbnb in Lake Geneva, DSCR loans give you the flexibility to move fast and scale up your investments.
How to Qualify for a DSCR Loan
To get approved for a DSCR loan in Wisconsin, most lenders want to see:
- A minimum DSCR of 1.0 or higher (rent covers mortgage)
- Good credit (typically 640+)
- A reasonable down payment (often 20 - 25%)
- Cash reserves for a few months of payments
- Rental income confirmed by appraiser's market rent analysis
📈 Learn more about DSCR loans and how lenders calculate coverage here:
Investopedia - Debt Service Coverage Ratio (DSCR)
Example: DSCR Loan in Action
Let's say you’re buying a property in Madison for $300,000 with a mortgage payment of $2,000/month. If projected rent is $2,200/month, your DSCR is 1.1, which would likely qualify.
You don’t need to show your job, tax returns, or any personal income - just the rent.
Why DSCR Loans Are Booming in 2025
With rising interest in Airbnb, BRRRR strategies, and long-term rentals, more Wisconsin investors are turning to DSCR loans. They provide a simple path to building wealth through real estate - especially for self-employed borrowers or those who write off most of their income.
Looking to buy your first rental or scale to five more doors this year? This is your tool.
Work with a DSCR Expert in Wisconsin
I’m one of the few lenders in Wisconsin who specializes in DSCR loans. My team and I can walk you through the process, provide competitive terms, and close fast. We understand investor needs and offer common-sense approvals.
📲 Call or text me anytime at 414-976-2654
📩 Email: azeman@uhm.com
🌐 Or apply online at www.mkemortgage.com
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