Wyoming DSCR Loan Calculator
Screen a Wyoming 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 Wyoming; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Wyoming DSCR assumptions
The calculator seeds Wyoming with a starting property value of $320,000.00, starting rent of $1,050.00, annual property tax based on a 0.53% effective rate, and estimated annual insurance of $1,374.00.
STR note: No statewide restrictions. Teton County/Town of Jackson has some of the most active STR regulatory discussions in the Mountain West due to extreme housing affordability pressure. Jackson/Teton County STR regulations are actively evolving and are the single most important regulatory risk for investors targeting that market. Cody, Thermopolis, and other tourism towns have limited but emerging STR frameworks. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Cheyenne/Laramie County (state capital, F.E. Warren AFB, most affordable and liquid Wyoming market, cash flow + hybrid). Casper/Natrona County (energy economy, most affordable major WY city, cash flow). Jackson/Teton County (premier resort/luxury market — one of the highest home prices in the country, STR/appreciation but increasingly regulated and astronomically priced). Gillette/Campbell County (coal/energy economy — highly volatile, avoid unless specifically underwriting energy cycle risk). Laramie/Albany County (University of Wyoming anchor, most affordable stable cash flow market). Cody/Park County (tourism — Yellowstone gateway, growing STR market, appreciation potential).
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