How to Qualify for an Investment Property Loan in Milwaukee
Discover how to finance your next rental or income property in Milwaukee. Learn the requirements for investment property loans, including DSCR and conventional options.
If you're a real estate investor in Milwaukee or the surrounding areas like Waukesha, Brookfield, or Oak Creek, securing the right mortgage is key to growing your portfolio. Whether it's your first rental property or your fifth, getting approved for an investment property loan doesn't have to be complicated - especially when you know your options.
What Is an Investment Property Loan?
An investment property loan is a mortgage used to purchase real estate that you do not occupy as a primary residence. These properties are typically rented out for cash flow or held for long-term appreciation.
Unlike traditional home loans, lenders view investment properties as higher risk, which means the qualifications are slightly different.
Popular Loan Options for Investors
✅ DSCR Loans (Debt Service Coverage Ratio)
DSCR loans are ideal for investors because they use the income from the property - not your personal income - to determine eligibility. These loans are great for those who may not show strong income on paper but have positive cash-flowing properties.
Benefits:
- No tax returns required
- Based on rental income vs. expenses
- Can finance multiple properties
👉 Learn more about DSCR loans and apply now
✅ Conventional Loans for Investment Properties
If you have good credit and strong financials, a conventional loan may be the best fit.
Requirements:
- Minimum 15-25% down
- Strong credit score (usually 680+)
- Proof of income and reserves
👉 Compare investment loan programs today
Who Qualifies for an Investment Property Loan?
You may qualify if you:
- Have a credit score of at least 660
- Can make a 15% or more down payment
- Plan to rent the property out (not live in it)
- Have enough reserves to cover a few months of mortgage payments
Target Areas for Investment
We help investors throughout:
- Milwaukee
- Waukesha
- Brookfield
- Oak Creek
- West Allis
- New Berlin
These cities are seeing rising demand for rental properties and steady appreciation, making them ideal for both short-term and long-term investments.
Start Your Investment Journey Today
Whether you're buying your first duplex or refinancing a rental portfolio, the right loan can make all the difference.
Apply in minutes: https://adamzmortgageteam.com/apply-online/
Have questions? Call/text me at 414-975-2654 or email azeman@uhm.com