DSCR Loans in Madison, WI
Find lenders offering dscr loans in the Madison, including Sun Prairie, Middleton, Fitchburg, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
Which DSCR lenders serve Madison?
42 lenders offering dscr loans in the Madison, WI area.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
What does the Madison commercial real estate market look like?
Madison consistently ranks among the strongest small-metro commercial real estate markets in the Midwest, driven by the University of Wisconsin-Madison, a robust state government employment base, and a fast-growing health and biotech sector anchored by Epic Systems' Verona campus. The Capitol Square and State Street corridor form the downtown office and retail core, while the University Research Park on the west side houses biotech, health IT, and engineering firms in a campus-style setting. The East Washington Avenue corridor has emerged as Madison's primary growth axis for mixed-use and multifamily development, connecting downtown to the Sun Prairie submarket. Madison's unemployment rate has historically run well below the national average, supporting consistently tight vacancy rates across office, industrial, and multifamily asset classes.
Key Economic Drivers
- ●Epic Systems headquartered in Verona, employing 13,000+ workers and driving surrounding commercial growth
- ●University of Wisconsin-Madison and UW Health research and medical complex
- ●Wisconsin state government offices concentrated around Capitol Square
- ●University Research Park biotech and health IT cluster on Madison's west side
Market Insight
Epic Systems' continued campus expansion in Verona has made the southwest Madison submarket one of Wisconsin's tightest commercial and residential markets, with Dane County issuing more building permits per capita than any other county in the state.
How do dscr loans work in Madison, Wisconsin?
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Madison metro area, borrowers can access 42 lenders offering DSCR financing, including Sun Prairie, Middleton, Fitchburg, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who should consider dscr loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
What are the key requirements?
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
DSCR Loans in Madison FAQ
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