Encore Mortgage Solutions
Wisconsin Investment Loans

DSCR Loans in Wisconsin

Qualify on rental income — not personal tax returns. Financing for Milwaukee, Madison, Green Bay, and communities across the Badger State.

This DSCR loan program is designed for non-owner-occupied investment properties only and is not available for primary residences or second homes.

Wisconsin is a top-performing Midwest rental market that consistently outperforms national rent growth averages — in recent quarters, Madison and Milwaukee have both posted rent growth well above the national benchmark, driven by constrained housing supply and durable institutional employment bases. Milwaukee anchors a diversified economy with Fortune 500 companies including Northwestern Mutual, ManpowerGroup, and Rockwell Automation, while Madison combines Big Ten university demand with one of the most educated and high-income professional workforces in the Midwest. The state's landlord-friendly legal framework, clear eviction procedures, and affordable acquisition costs relative to coastal markets create a compelling DSCR investment environment for both long-term and short-term rental strategies.

A few markets worth knowing:

Milwaukee is Wisconsin's largest city and a deeply diversified rental market. Major employers in manufacturing, healthcare, education, and finance create a broad professional tenant base, while Marquette University and the University of Wisconsin-Milwaukee anchor consistent student housing demand. The lakefront location, Summerfest, and the Bucks and Brewers attract visitors year-round — supporting STR strategies in well-located properties.

Madison is home to the University of Wisconsin — one of the nation's flagship research universities with 48,000+ students — and a thriving professional economy anchored by state government, healthcare, and a growing tech sector. Near-campus student housing and downtown professional rentals produce some of the strongest DSCR fundamentals in the state, with rent growth among the highest in the Midwest in recent periods.

Green Bay and Kenosha offer solid secondary market entry with manufacturing employment bases, affordable acquisition costs, and the structural advantage of Kenosha's positioning between Chicago and Milwaukee — a natural commuter rental market for tenants priced out of either metro.

Sheboygan and the Lake Michigan corridor present STR opportunities for investors targeting Wisconsin's outdoor recreation and lakefront tourism demand, particularly for weekend getaway travelers from Milwaukee and Chicago.

Program Highlights

No tax returns or W-2s required — qualification is based on the property's rental income

Available for purchase or refinance, including cash-out

Eligible for individual borrowers or LLC/entity ownership

Loan amounts and terms vary by deal — a personalized quote reflects your specific property and DSCR ratio

See If Your Wisconsin Property Qualifies.

Run your DSCR ratio in under 2 minutes.

Open the DSCR Calculator

Wisconsin DSCR FAQ

Get Your Wisconsin DSCR Quote

Personalized to your property and DSCR ratio.

For investment property financing only.

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Encore Mortgage Solutions, Corp. NMLS #2317038
Wynee Bays, Mortgage Loan Originator, NMLS #887778

Information provided is for educational and informational purposes only and is not intended as legal, tax, or financial advice. This is not a commitment to lend, guarantee of financing, or loan approval. All loan programs, terms, rates, and conditions are subject to change without notice and are subject to borrower qualification, property review, underwriting requirements, and credit approval. Additional restrictions may apply. Programs discussed may not be available in all states or for all borrowers. Equal Housing Opportunity.