DSCR Loans in Cheyenne, WY
Find lenders offering dscr loans in the Cheyenne, including Laramie, Casper, and surrounding areas. Compare rates, terms, and programs from 43 lenders.
DSCR Lenders Serving Cheyenne
43 lenders offering dscr loans in the Cheyenne, WY 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.
Cheyenne Commercial Real Estate Market
Cheyenne is Wyoming's capital and largest city, with a compact commercial real estate market shaped by state government, F.E. Warren Air Force Base, and a growing logistics and data center sector that leverages Wyoming's tax-friendly environment and low energy costs. The downtown core along Capitol Avenue and Lincolnway has seen modest revitalization with boutique hospitality and mixed-use projects catering to the city's tourism base and government workers. The I-25 corridor and I-80 interchange areas serve as the primary zones for industrial, retail, and highway-oriented commercial development, with several data center operators establishing facilities attracted by Wyoming's lack of corporate and personal income taxes. Cheyenne's market is small but benefits from extremely low operating costs, stable government employment, and growing interest from out-of-state investors seeking tax-advantaged jurisdictions.
Key Economic Drivers
- ●Wyoming state government and legislative campus as the metro's largest employment anchor
- ●F.E. Warren Air Force Base and associated military personnel and contractors
- ●Data center development attracted by zero corporate income tax and low electricity rates
- ●I-80 and I-25 logistics crossroads supporting trucking, warehousing, and rail distribution
Market Insight
Wyoming levies no state corporate income tax, no personal income tax, and no gross receipts tax, making Cheyenne one of the most tax-efficient locations in the country for commercial property ownership and business operations.
DSCR Loans in Cheyenne, Wyoming
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 Cheyenne metro area, borrowers can access 43 lenders offering DSCR financing, including Laramie, Casper, 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
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)
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