No income or employment Required.
Real Estate Investment Loan
DSCR Loan Wisconsin Benefits:

* Purchase Loans Up To 85% LTV
* Cash Out Up To 80% LTV
* Purchase, Refinance and Cash Out
* No Income or Employment
* Limited Documentation Required
* Fast Close! Fast as 5 Days


DSCR loans Wisconsin are a powerful financial tool tailored for real estate enthusiasts in Wisconsin. Whether you’re eyeing single family investment properties or commercial ventures, a DSCR loan ensures your investment is not just a property but a thriving asset by evaluating its ability to cover debt obligations through generated income.

Why Wisconsin for Real Estate Investment: Wisconsin’s real estate market offers a promising landscape for investors. From the vibrant neighborhoods of the state provides a diverse range of investment opportunities. Whether you’re a seasoned investor or a first-time real estate investor, Wisconsin’s real estate market is ripe with potential.

brrrr method


No Income Investment Loan
Just use rental income to qualify!
No DTI Programs available
Interest Only terms available
30 and 40 year amortization options

Refinaance your home


Cash out re-fiinance your investment
property to build you portfolio today!
Low Rates, High Leverage!
Minimal Documentation
Fast Close

cash out refinance


Refinance and reap the benefits of passive income
No income or employment required!
Up to 40 year amortization
Interest Only Options!

How DSCR Loans Work In Wisconsin: DSCR loans prioritize a property’s income potential, making them an ideal choice for investors seeking to generate revenue through rent. The ratio is calculated by dividing the property’s Net Operating Income (NOI) by its total debt service, ensuring a comprehensive evaluation of the property’s financial viability. In Wisconsin’s real estate market, DSCR becomes a key metric for lenders when assessing loan eligibility.

Benefits of Using a DSCR Loan in Wisconsin:

Investors in Wisconsin can enjoy financing options tailored to the demands of the real estate market and their goals. Terms from 30 or 40 years and a number of customizable features makes a DSCR loan in Wisconsin a great tool to help grow their real estate portfolio

By utilizing a DSCR loans, real estate investors can diversify their income streams through properties that generate growing rental income.

Choose a DSCR lender in Wisconsin like CambridgeHomeLoan.com that understands the Wisconsin markets and specializes in providing DSCR loans. CambridgeHomeLoan.com’s commitment to excellence and client satisfaction sets us apart, ensuring an efficient financing process with more flexibility and accessibility compared to traditional commercial loans.

Key Features of DSCR Loans from CambridgeHomeLoan.com:

Competitive Interest Rates: Benefit from competitive interest rates that align with the financial landscape of Wisconsin.

Personalized Solutions: Our team at CambridgeHomeLoan.com crafts personalized financing solutions to meet the unique needs of each investor or homebuyer.

Terms: Know exactly what to expect with clear terms and conditions, empowering you to make informed decisions.

Highest Leverage In The Market: Up to 85% on a purchase and 80% for a refinance or cash out refinance

DSCR Loan Wisconsin 
for long term cash flowing properties, up to 85% LTV.

For investors who have an existing short-term loan looking for an opportunity to streamline a 30 or 40-year Debt Service Coverage Ratio (DSCR) loan for non-owner-occupied rental investment properties.

Benefits of DSCR Loan Wisconsin

  • No evidence of personal income required
  • Maximize cash flow with 30 and 40 year interest only programs
  • Cash out to continue buying
  • Fast Close!
  • No verification of employment

What is Debt Service Coverage Ratio (DSCR)?

A measure of an entity’s or in this case an investment properties cash flow about its debt obligations is called the Debt Service Coverage Ratio, or DSCR. In real estate finance residential refers to “1-4 unit” properties, anything more would be considered “multifamily and/or commercial real estate.

The Debt Service Coverage Ratio (DSCR) is the borrower’s capacity to service or repay the annual debt payment about the amount of Net Operating Income (NOI) generated by the asset. The higher the DSCR ratio, the more net operating income is available to repay the debt.

DSCR reveals if a real estate property is making enough money to cover the mortgage or not. When a real estate investor applies for a new loan or refinances an existing mortgage, lenders evaluate the debt service coverage ratio as one indicator to calculate the maximum loan amount.



dscr loan program


* Purchase, Refinance, Cash Out Refinance * Up To 80% LTV
* 15-30 Day Close * No Income Required

fix and flip loan programs


* Fix to flip or Fix to Rent . * Up to 90% of the Purchase and 100% of the Rehab. Closing 5-7 days!

rental loan


* Cash out Refinance into a 30 or 40 year loan..
* Closing as fast as 30 days! * Up To 80% LTV

construction loan


* Ground Up Construction * Builders and Inverstors
* Up To 85% of Ground / 100% of Construction


What are the requirement for a Debt Service Coverage Ratio (DSCR) Loan in Wisconsin?

The only requirement for a DSCR loan is the properties ability to repay the debt on the loan. No borrower income, tax returns or W2s required.

A DSCR of 1x means that the cash flow of the property needs to cover 100% of the property expenses including the mortgage. Some lenders require the DSCR to cover 1.2 or 1.25 times. The higher this ratio the better for both the lender and the property owner. If your DSCR ratio is 1.2, then your properties cash flow covers 20% more than the properties expenses.
CambridgeHomeLoan.com can finance your property with a DSCR as low as .85 allowing an investor time to stabilize their income.

How to calculate your properties DSCR in Wisconsin:

DSCR= NOI (Net operating income) -Expense
Mortgage Payment

Example: Income of $4000.00  Expenses $1,000.00, Mortgage Payment $2,000.00
Income – Expenses = $3,000.00 divided by $2,000 = $1.5%  DSCR ratio =1.5%
Anything over 1 means you are profitable. Under 1 means that there is not enough cash to cover your expenses.

What are the Benefits of A DSCR Loan Wisconsin?

The following are the key advantages and the benefits of an Wisconsin DSCR (Debt Service Coverage) loan:

  • DSCR Loans have easier application and faster closing times: With a DSCR loan you don’t need to submit any personal financial information or explain any gaps that you may have in your job history, DSCR loans Wisconsin often have a streamlined application and fast closing times.
  • DSCR Loans in Wisconsin does not require or take into account Personal income: Because DSCR loans in Wisconsin do not take into account any personal financial information, they are more accessible to borrowers who don’t have a considerable quantity of liquid assets.
  • You can purchase or refinance many properties at the same times: Some mortgages require you to commit to only one property at a time. As a result, you can’t grow your investment portfolio quickly or get a loan for a second property unless you’ve paid off your previous one. DSCR investor loans allow you to obtain many loans for different properties at the same time.
  • High Cash-Out: The DSCR has many benefits, one of which is high cash out amounts. This means that you can cash out for repairs and improvements or to purchase additional real estate investment assets.
  • Ideal for both new and experienced real estate investors: DSCR loans in Wisconsin are ideal for both seasoned real estate investors and novices. If you’re new to investing, this loan can help you get started on the right foot. And as an experienced investor, a DSCR loan can provide the funds you need to take your business to the next level. A DSCR investor loan is a smart option for financing your real estate investments.

What is NOI or Net Operating Income in DSCR Investor Loans?

A Net Operating Income, or NOI, is a figure that is used by lenders to determine whether a property will be able to generate enough income to cover the costs of a loan. In order for a property to qualify for a DSCR loan, the NOI must be greater than the amount of the loan payments. The NOI of an investment real estate asset is calculated by subtracting all operating expenses from the property’s total gross income. Expenses includes things like repairs, insurance, and taxes. By subtracting these costs from the income generated by the property, the NOI gives both the investor and lenders an accurate picture of the property’s earnings.

How Can You Qualify for a DSCR Loan?

To qualify for a DSCR or Debt Service Coverage loan, the property’s rental income must meet or surpass the lender’s coverage ratio criteria. The coverage ratio, which varies based on the loan product and borrower, is calculated as monthly rental income divided by mortgage payment. It normally ranges from .85x to 1.5x.

The application procedure is streamlined and could take less time than a standard investment property mortgage because eligibility for a DSCR mortgage is mostly mainly on the rental income generated by the property rather than your personal income.

A real estate investor who wants to buy or refinance an investment property but does not have enough personal income to be accepted or does not want to give their tax, financial, and job paperwork is a good candidate for the DSCR scheme.

How to Apply for a DSCR Loan?

You can apply for a DSCR loan by applying HERE!

Step 2: Submit Proof of Your Properties Income

As your creditworthiness is verified by the income you will generate from the property you are buying; you need to provide proof that your property can cover the mortgage payments. So, provide the needed documents to showcase your property’s income against the loan amount.

Step 3: Closing

DSCR loans in Wisconsin do not need information about your financial history; the application and closing procedure is considerably faster than those for other types of mortgage loan programs.

Once you are approved for the loan, you will be provided with the interest rate, monthly payment, and the closing costs. Once agreed, you will go through the underwriting process, sign the final documents and close the loan.


Frequently Asked Questions

Are Wisconsin DSCR Loans Expensive?

DSCR loans aren’t the cheapest option on the market. They typically require a 15-25% down payment.

Is it hard to get a DSCR Loan?

Not at all!
Approval for DSCR loans is easier because it depends on your property’s income rather than your financial situation.
DSCR loans are simpler to obtain, and the application procedure is more efficient and simplified. The criteria for DSCR loans are generally less stringent.

What type of property can I buy with a DSCR Loan?

The DSCR loan Wisconsin allows you to acquire a wide range of properties for various purposes, including short-term and long-term rental. You can buy a property that will be used as a temporary or permanent residence as long as you can show that it will generate a positive cash flow.

How do I know if I’m eligible for a DSCR Loan?

To be eligible for a DSCR Loan, you must have strong credit and income. Most importantly, you’ll need to demonstrate that you can make your mortgage payments by providing proof of income from your rental property.

How long is a DSCR loan?

DSCR loans are typically given for terms of anywhere from 5 to 40 years, with the most common being 30 or 40 years. The length of the loan will generally be determined by the lender based on factors such as the type of property being purchased and the projected cash flow of the business.

How can I improve my DSCR?

The easiest way to improve your DSCR is to invest more money, but you can also buy insurance, fight annual property taxes, and charge more rent. Allowing pets or including extra amenities like a washer and dryer are easy ways to increase your rent. Additionally, In order to improve your DSCR, you need to increase your net operating income or reduce your debt service payments.

What is a no DSCR loan?


How Does a DSCR Loan Work in Wisconsin?

If you are having a difficult time qualifying for a mortgage, you should explore the possibility of a DSCR loan. With a DSCR loan, the borrower does not have to provide proof of income, but rather qualifies using their DSCR. Your DSCR measures the cash flow of your rental properties against your current debt obligations. 

A high DSCR indicates to lenders that you have enough income to repay the loan. loan is a type of commercial loan that does not require the borrower to have a DSCR of 1.0 or higher. This indicates that the borrower does not need to earn enough income to cover their monthly debt payments. No DSCR loans are typically used by businesses that are expanding or taking on new projects, as they may not have the income necessary to meet all their debt obligations.


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If your looking for additional information on a hard money loan check out the hardmoneyloanlender.com.

Click To apply for a DSCR Loan Wisconsin