Wisconsin DSCR Loan Lenders for Rental Property
Are you seeking long-term private financing for a residential rental property in Wisconsin? On this page you'll find a list of lenders that offer these “DSCR” loans for single family homes, condos, and 2-4 unit rental properties in Wisconsin’s urban areas. Some lenders consider vacation rentals (aka short-term rental or STR). The maximum loan-to-value is 80%. For a purchase, investors need a minimum down payment of 20%, and it could be higher depending on the debt service coverage ratio (DSCR), borrower’s credit score and location. The loans terms range from 3 to 30 years. D.S.C.R. stands for debt service coverage ratio, which is a measure of the property's cash flow. The formula is gross rental income divided by expenses (mortgage principal and interest, property taxes, insurance, and HOA dues, if applicable). These loans qualify based on the DSCR rather than the borrower's personal income.Searching...
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Nationwide Mortgage - Rental Property Loans
DSCR 30-year Loans for Rental Properties Nationwide
Lima One Capital
The Nation's Premier Lender for Real Estate Investors
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
HouseMax Funding
Hard Money Loans to Fund Your Next Big Project
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
i Fund Cities
Great F#*%ing Loans, Built By Investors For Investors
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Griffin Funding
Private Money Lender - Get the financing you need
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Center Street Lending
Smarter Loans for Residential Investors
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Wisconsin DSCR Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for Wisconsin DSCR long-term rental loans in the 4th quarter of 2024 was 7.34%. The average loan amount was $185,959. These stats are the average of 50 loans funded for residential rental properties in Wisconsin between October 1, 2024 and December 31, 2024 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
Top 10 Wisconsin DSCR Lenders for Rental Properties
According to SFR Analtyics, here are the top private lending companies that are funding DSCR long-term loans secured by residential rental properties in Wisconsin, along with the approximate loan volume funded. The list ranks each lender by the total loan volume originated throughout Wisconsin from January 2024 to December 2024.
- American Heritage Lending funded over $9,550,000
- RCN Capital funded over $9,220,000
- Lima One Capital funded over $7,700,000
- LendingOne funded over $6,680,000
- Visio Lending funded over $5,710,000
- Dominion Financial funded over $5,080,000
- ROC Capital funded over $3,920,000
- Bluebird Lending LLC funded over $2,720,000
- Easy Street Capital funded over$2,630,000
- Constructive Capital funded over $2,170,000
Click the links to view each lender’s profile. The lenders without a link do not have an active Lender Link profile. The loan volume amounts mentioned are approximate. Not every loan has maturity data, so some lender’s volume may be higher than shown.
SFR Analtyics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
Wisconsin DSCR Rental Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of DSCR loans secured by residential rental properties in Wisconsin which were funded from January 2024 to December 2024.
- Approximately $20,074,067 of private money loans were funded in the 4th quarter of 2024 for 82 borrowers.
- Approximately $18,147,960 of private money loans were funded in the 3rd quarter of 2024 for 84 borrowers.
- Approximately $13,672,296 of private money loans were funded in the 2nd quarter of 2024 for 70 borrowers.
- Approximately $12,443,422 of private money loans were funded in the 1st quarter of 2024 for 60 borrowers.
Below are the approximate DSCR loan volume amounts for Wisconsin’s metropolitan areas:
Milwaukee-Waukesha, WI
- 2024 Q4: $13,455,385 for 60 borrowers
- 2024 Q3: $13,361,860 for 62 borrowers
- 2024 Q2: $10,382,854 for 57 borrowers
- 2024 Q1: $10,629,724 for 49 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
