Wisconsin DSCR Loan Calculator
Screen a Wisconsin rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Wisconsin; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Wisconsin DSCR assumptions
The calculator seeds Wisconsin with a starting property value of $255,000.00, starting rent of $1,100.00, annual property tax based on a 1.32% effective rate, and estimated annual insurance of $1,147.00.
STR note: No statewide restrictions. Madison and Milwaukee have STR ordinances. Wisconsin Dells and lake communities have varying rules. Lake district STR rules vary by municipality. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Milwaukee/Milwaukee County (most affordable major WI city, strong cash flow, deep investor community — but high property taxes and regulatory burden). Madison/Dane County (state capital, UW anchor, fastest growing WI market, hybrid). Green Bay/Brown County (manufacturing, Packers economy, stable cash flow hybrid). Racine/Kenosha counties (Milwaukee suburbs, Chicago commuter belt, affordable hybrid). Wausau/Marathon County (affordable cash flow, manufacturing). Lake areas (Vilas, Oneida, Price counties — vacation rental/STR market).
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