DSCR Loans Wisconsin — Invest Without Traditional Income Proof
If you want to invest in real estate in Wisconsin but don't want the hassle of traditional income documentation, a DSCR loan (Debt Service Coverage Ratio loan) is one of the easiest and fastest ways to qualify. Instead of reviewing your tax returns, W-2s, or pay stubs, lenders approve you based on the cash flow of the property - not your job.
I'm Adam Zeman, Mortgage Loan Originator (NMLS #870441) with Union Home Mortgage, and I help Wisconsin investors secure DSCR financing with streamlined approvals, fast closings, and flexible loan structures.
💬 Text or call me for a DSCR quote:
📞 414-975-2654
📧 azeman@uhm.com
🌐 www.mkemortgage.com
📅 Schedule a call: https://calendly.com/adam-zeman/30min
🤖 24/7 Mortgage Assistant:
Wisconsin Real Estate & Mortgage Expert
What Is a DSCR Loan?
A DSCR loan (Debt Service Coverage Ratio loan) is an investor mortgage that qualifies you based on rental income, not personal income.
Lenders calculate:
DSCR = Gross Monthly Rent ÷ Monthly Mortgage Payment
- DSCR 1.0+ = Property pays for itself
- DSCR under 1.0 = Negative cash flow, but some programs still allow approval depending on reserves and credit
More on DSCR explained here:
🔗 https://www.investopedia.com/terms/d/dscr.asp
Who Are DSCR Loans Best For?
✔ Real estate investors building a portfolio
✔ Borrowers with complex tax returns
✔ Self-employed buyers
✔ Investors purchasing short-term rentals
✔ Anyone who prefers no income documentation
If you own LLCs, multiple rentals, or write off expenses heavily (lowering taxable income), DSCR loans unlock financing that traditional guidelines may deny.
Key Benefits of DSCR Loans in Wisconsin
1. No Income Verification
No tax returns, W-2s, pay stubs, employment verification, or personal DTI analysis.
2. Close Under an LLC
Many DSCR lenders allow closings in an LLC or corporation - ideal for asset protection.
3. Flexible Property Types
- Single-family homes
- Duplex, triplex, fourplex
- Condos
- Short-term rentals (Airbnb/VRBO)
- Long-term rentals
4. Fast Approvals
Because there's no income review, DSCR files move quickly - often faster than conventional loans.
5. Unlimited Number of Properties
Most DSCR programs allow unlimited financed properties, unlike conventional caps.
DSCR Requirements in Wisconsin
While each lender has variations, most require:
- Minimum credit score: 620 - 680 depending on program
- DSCR ratio: 1.0+ preferred, but some allow 0.75 - 1.0 with strong reserves
- Down payment: Usually 20 - 25%
- Reserves: 3 - 12 months depending on property type
- Proof of rental income: Lease, appraisal with rent schedule, or AirDNA for short-term rentals
Learn more about DSCR lending here:
🔗 https://www.offermarket.us/blog/dscr-loan-means
DSCR LOAN’S
This reinforces your DSCR authority cluster.
Should You Use a DSCR Loan?
Choose a DSCR loan if:
- You want a fast investor loan
- You don't want to document income
- Your tax returns don't reflect your real income
- You want to scale your rental portfolio faster
- You want to keep financing off personal DTI calculations
If you're building long-term wealth in Wisconsin real estate, DSCR financing is one of the most powerful tools available.
Let's Run DSCR Numbers for You
If you have a property in mind, I can calculate your DSCR ratio, payment estimate, and exact qualification path in minutes.
Reach out anytime:
📞 414-975-2654
📧 azeman@uhm.com
🌐 www.mkemortgage.com
📅 Schedule a call
🤖 24/7 Wisconsin Mortgage Assistant