Wisconsin DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
Wisconsin (WI) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Wisconsin utilize Judicial (6-Month Commercial / Non-Owner Redemption) security instruments, with an average non-homestead effective property tax rate of 1.61%, a median 1–4 unit investment home price of $295,000 (median rent $2,280/mo), and 5+ unit multifamily market rents averaging $1,350/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Judicial (6-Month Commercial / Non-Owner Redemption)EFFECTIVE PROPERTY TAX
1.61% Avg ($396/mo)MEDIAN 1–4 UNIT PRICE & RENT
$295,000 · $2,280/mo5+ UNIT MULTIFAMILY RENT
$1,350/door/moWisconsin Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine
Price/Door: $295,000·Loan/Door: $221,250·Avg Rent/Door: $2,280/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.19xCanonical:
119 bps · 7500 bps LTV · 6625 bps RateStandard Multifamily / DSCR Pass (1.15x–1.24x)
Loan Amount (75% LTV)$221,25022,125,000 _cents
Monthly P&I Debt Service$1,417/mo@ 6.625% Note Rate
Total Monthly PITIA$1,916/moTax: $396 · Ins: $103
Net Monthly Cash Flow+$364/mo$4,371/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $1,916/mo | 1.19x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $1,953/mo | 1.17x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $1,790/mo | 1.27x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender.
Wisconsin Cities with Population ≥ 50,000 (14 Markets)
Click any Wisconsin city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (WI) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Milwaukee, WI → | MILWAUKEE County County | 653,089 | 1.61% | $350,000 | $2,700/mo | $1,600/door |
| Madison, WI → | DANE County County | 265,245 | 1.55% | $290,000 | $2,300/mo | $1,350/door |
| Green Bay, WI → | BROWN County County | 114,209 | 1.61% | $265,000 | $2,100/mo | $1,225/door |
| Kenosha, WI → | KENOSHA County County | 108,879 | 1.67% | $305,000 | $2,350/mo | $1,375/door |
| Racine, WI → | RACINE County County | 85,237 | 1.58% | $280,000 | $2,150/mo | $1,275/door |
| Appleton, WI → | OUTAGAMIE County County | 80,220 | 1.64% | $285,000 | $2,200/mo | $1,300/door |
| Waukesha, WI → | WAUKESHA County County | 77,407 | 1.51% | $275,000 | $2,100/mo | $1,250/door |
| Eau Claire, WI → | EAU CLAIRE County County | 73,624 | 1.48% | $270,000 | $2,100/mo | $1,250/door |
| Oshkosh, WI → | WINNEBAGO County County | 72,788 | 1.67% | $305,000 | $2,350/mo | $1,375/door |
| Janesville, WI → | ROCK County County | 69,564 | 1.55% | $260,000 | $2,050/mo | $1,200/door |
| West Allis, WI → | West Allis Metro County County | 66,160 | 1.55% | $275,000 | $2,150/mo | $1,275/door |
| La Crosse, WI → | LA CROSSE County County | 56,159 | 1.58% | $265,000 | $2,050/mo | $1,225/door |
| Sheboygan, WI → | SHEBOYGAN County County | 53,110 | 1.64% | $305,000 | $2,300/mo | $1,375/door |
| Wauwatosa, WI → | Wauwatosa Metro County County | 51,376 | 1.58% | $265,000 | $2,050/mo | $1,225/door |