<br>

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</div>
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<br>

When you [shop for insurance](https://www.offermarket.us/insurance), whether it's **Landlord Insurance** or **Fix and Flip Insurance**, it's important to choose an insurer that is financially strong and able to meet its obligations detailed in your insurance policy.

<br> 

Many private lenders, including [OfferMarket Capital](https://www.offermarket.us/loans), have a minimum AM Best rating requirement for [DSCR Loans](https://www.offermarket.us/blog/dscr-loan-program) and [Fix & Flip Loans](https://www.offermarket.us/blog/fix-and-flip-loans). 

<br>

At OfferMarket, we require all policies be written through insurers with a minimum of A- / VIII. As you will see from the ratings tables below, that means the insurer must be considered to have an "Excellent" ability to meet their ongoing insurance obligations, and their policyholder surplus must be at least $100 million.

<br>

## What is AM Best?

<br>

AM Best is a financial services rating agency that specializes in assessing the financial strength and size of insurance companies.

<br>

## Financial Strength Rating (FSR) Scale

<br>

The Financial Strength Rating is a statistical assessment of an insurer's ability to meet their ongoing insurance obligations. AM Best assigns a financial strength rating from A++ (Superior) through D (Poor). Our private lending division, OfferMarket Capital, requires a minimum FSR of A- (Excellent).

<br>

<table>
<thead>
  <tr>
    <th>Rating<br>Categories</th>
    <th>Rating<br>Symbols</th>
    <th>Rating<br>Notches*</th>
  </tr>
</thead>
<tbody>
  <tr>
    <td>Superior</td>
    <td>A+</td>
    <td>A++</td>
  </tr>
  <tr>
    <td>Excellent</td>
    <td>A</td>
    <td>A-</td>
  </tr>
  <tr>
    <td>Good</td>
    <td>B+</td>
    <td>B++</td>
  </tr>
  <tr>
    <td>Fair</td>
    <td>B</td>
    <td>B-</td>
  </tr>
  <tr>
    <td>Marginal</td>
    <td>C+</td>
    <td>C++</td>
  </tr>
  <tr>
    <td>Weak</td>
    <td>C</td>
    <td>C-</td>
  </tr>
  <tr>
    <td>Poor</td>
    <td>D</td>
    <td>-</td>
  </tr>
</tbody>
</table>

<br>

## Financial Size Category (FSC)

<br>

The Financial Size Category is a measure of **Policyholder Surplus** which is calculated by subtracting the insurance company's liabilities from its assets. The greater the policyholder surplus, the better able the insurance company can withstand adverse economic conditions and remain solvent.

<br>

<table>
<thead>
  <tr>
    <th>Class</th>
    <th>Policyholder Surplus ($ Millions)</th>
  </tr>
</thead>
<tbody>
  <tr>
    <td>I</td>
    <td>Less than 1</td>
  </tr>
  <tr>
    <td>II</td>
    <td>1 to 2</td>
  </tr>
  <tr>
    <td>III</td>
    <td>2 to 5</td>
  </tr>
  <tr>
    <td>IV</td>
    <td>5 to 10</td>
  </tr>
  <tr>
    <td>V</td>
    <td>10 to 25</td>
  </tr>
  <tr>
    <td>VI</td>
    <td>25 to 50</td>
  </tr>
  <tr>
    <td>VII</td>
    <td>50 to 100</td>
  </tr>
  <tr>
    <td>VIII</td>
    <td>100 to 250</td>
  </tr>
  <tr>
    <td>IX</td>
    <td>250 to 500</td>
  </tr>
  <tr>
    <td>X</td>
    <td>500 to 750</td>
  </tr>
  <tr>
    <td>XI</td>
    <td>750 to 1,000</td>
  </tr>
  <tr>
    <td>XII</td>
    <td>1,000 to 1,250</td>
  </tr>
  <tr>
    <td>XIII</td>
    <td>1,250 to 1,500</td>
  </tr>
  <tr>
    <td>XIV</td>
    <td>1,500 to 2,000</td>
  </tr>
  <tr>
    <td>XV</td>
    <td>2,000 or greater</td>
  </tr>
</tbody>
</table>

<br>

## How to calculate Policyholder Surplus

<br>

Assets - Liabilities = Policyholder Surplus

<br>

## What is Policyholder Surplus

<br>

Policy holder surplus is the liquidation value of an insurance company. If you were to sell all assets and repay all liabilities, the policyholder surplus is what would be left. In business, this is is otherwise known as **book value**.

<br>

AM Best ratings assess the financial strength and size of insurance companies.

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AM Best Ratings | OfferMarket Real Estate Glossary

AM Best Ratings

<br>

**Last updated:** May 28 , 2024

<br>


We like Wisconsin. As rental property investors, we see good opportunities for buy and hold investors across several markets in Wisconsin. Wisconsin, with nearly 6 million residents, a stable population, and a strong economy, is often overlooked by real estate investors, especially institutional investors.

<br>

That's your opportunity and you can capitalize on it with DSCR loans for the purchase and refinance of 1 to 4 unit residential investment properties.

<br>

## Where to get DSCR Loans Wisconsin?

<br>

Whether you're working on rental number 1 or rental number 100, DSCR loans are the fastest growing, most competitive, and easiest rental property financing product. Unlike banks that require months of painful underwriting, DSCR loans can be funded in well under a month with significantly less documentation. DSCR loans are perfect for rental property investors who don't want to deal with income verification -- you will never be asked for your W-2 or your tax return. Self-employed rental investors love DSCR loans for this reason.

<br>

## What are Wisconsin DSCR Loan Interest Rates?

<br>

<div style="width:100%; overflow-x:scroll">
<iframe title="DSCR Loan Interest Rates Index (30 year fixed) chart"  width="600" height="371" style="" seamless frameborder="0" scrolling="no" src="https://docs.google.com/spreadsheets/d/e/2PACX-1vRJPw1fYWqj_5mdlNBrD5MLne_ApqpOXlNmkmNE_sZfPgsbn9pU0mWUenEO1x6WE9237S7jzaQE2Hig/pubchart?oid=262687025&amp;format=interactive"></iframe>
</div>

<br>

*Source: [DSCR Loan Interest Rates Index](https://www.offermarket.us/blog/dscr-loan-interest-rates)*

<br>

## What is the average pricing of Wisconsin Single Family Rentals?

<br>

<div style="display: grid; grid-template-columns: repeat(1, minmax(0, 1fr)); overflow: auto; white-space: nowrap;">
<table>
        <tr>
            <th>City</th>
            <th>Population</th>
            <th>Median Home Price</th>
            <th>Median Rent</th>
        </tr>
        <tr>
            <td>Milwaukee</td>
            <td>590,000</td>
            <td>$185,000</td>
            <td>$1,500</td>
        </tr>
        <tr>
            <td>Madison</td>
            <td>270,000</td>
            <td>$360,000</td>
            <td>$2,750</td>
        </tr>
        <tr>
            <td>Green Bay</td>
            <td>108,000</td>
            <td>$230,000</td>
            <td>$2,000</td>
        </tr>
        <tr>
            <td>Kenosha</td>
            <td>100,000</td>
            <td>$225,000</td>
            <td>$1,750</td>
        </tr>
        <tr>
            <td>Racine</td>
            <td>78,000</td>
            <td>$170,000</td>
            <td>$1,400</td>
        </tr>
        <tr>
            <td>Appleton</td>
            <td>75,000</td>
            <td>$250,000</td>
            <td>$1,995</td>
        </tr>
        <tr>
            <td>Waukesha</td>
            <td>72,000</td>
            <td>$350,000</td>
            <td>$1,900</td>
        </tr>
        <tr>
            <td>Oshkosh</td>
            <td>67,000</td>
            <td>$210,000</td>
            <td>$1,200</td>
        </tr>
        <tr>
            <td>Eau Claire</td>
            <td>70,000</td>
            <td>$275,000</td>
            <td>$1,335</td>
        </tr>
        <tr>
            <td>Janesville</td>
            <td>66,000</td>
            <td>$240,000</td>
            <td>$1,100</td>
        </tr>
    </table>
</div>

<br>

## Where can I get Landlord insurance for Wisconsin DSCR loans?

<br>

DSCR loans have straightforward insurance requirements that include dwelling coverage, general liability, and loss of rent. If your property is in a flood zone, then you'll need flood insurance too.

<br>

You can get an instant [landlord insurance](https://www.offermarket.us/insurance?ref=blog-dscr-loan-wisconsin) quote and save hundreds on your annual premium.

<br>

## What areas in Wisconsin do you serve?

<br>

We serve all parts of Wisconsin. Areas mentioned below seem have been producing a stand out rent growth in the area worth a deeper investigation. Some of the factor driving the rent growth are presented below.

<br>

Wisconsin saw modest population growth of around 3.6% between 2010-2020, with gains primarily concentrated in the Milwaukee, Madison, and Fox Valley metro areas. The state's economy remains driven by manufacturing, healthcare, finance, and agriculture/food production industries. Housing construction has generally kept pace with demand at the statewide level, though some tighter submarkets have emerged.

<br>

- 53132 - Part of Brookfield, an affluent Milwaukee suburb. High-income demographics but limited rental housing inventory presents potential opportunity.
- 53703 - Downtown Madison near the Wisconsin state capitol. Always a very tight rental market given demand from government and UW-Madison.
- 54914 - Part of the Appleton/Fox Valley metro which added thousands of manufacturing and healthcare jobs over the past decade.

<br>

Milwaukee Metro Area

<br>

While the City of Milwaukee's population was stagnant, surrounding suburbs expanded during the 2010s, with the metro area adding over 50,000 residents overall (3.2% growth). The economy is anchored by manufacturers like Harley-Davidson, Rockwell Automation, and large healthcare systems.

<br>

- 53223 - The northwest Milwaukee suburbs like Menomonee Falls saw strong housing demand from job growth but limited new rental supply.
- 53122 - Close to Milwaukee's Southridge area, this zip has emerged as an apartment development hotspot to meet pent-up demand.
- 53051 - Waukesha, as part of the Milwaukee metro, benefited from outward suburban expansion. Many renovated rental properties performing well.

<br>

Madison Metro Area

<br>

Madison saw over 9% population growth during the 2010s, well above state averages. It is an economic center for healthcare, technology, agriculture, and state government, with UW-Madison as a major anchor.

<br>

- 53719 - East side of Madison close to hospitals and the UW campus. Always extremely limited rental availability despite new construction.
- 53590 - Part of the Sun Prairie area experiencing rapid suburban expansion from Madison's growth but undersupplied on rental housing.
- 53718 - Downtown Madison near the capitol square. Very high-income area with minimal rental product to meet demand.

<br>

Green Bay/Fox Valley

<br>

The Green Bay metro area expanded over 4% in population during the 2010s, aided by growth in the broader Fox River Valley region to the south. Major employers include manufacturers and healthcare systems.

<br>

- 54304 - Part of Grand Chute, which has seen large corporate expansions but lagging multifamily construction.
- 54115 - The village of Hobart has emerged as a growth hotspot near Green Bay but has limited rental housing.
- 54935 - Downtown Appleton and areas near Lawrence University remained extremely tight rental markets.

<br>

Other Areas of Note

<br>

A few other Wisconsin markets that may warrant attention from rental housing investors:

<br>

- 54703 - Eau Claire and western Wisconsin saw steady population and economic growth from the Twin Cities expansion.
- 54601 - La Crosse added residents over the decade and experienced a healthy tourism/retirement home economy.
- 53081 - Kenosha grew as part of the Chicago metro area's outward expansion across the Wisconsin border.

<br>

While not exhibiting dramatic growth, certain areas of Wisconsin experienced enough economic and population expansion to create potential supply/demand imbalances in their rental housing markets for investors to monitor.

<br>

## What are the best DSCR lender Wisconsin?

<br>

The best DSCR lenders operate on a national footprint and use a lowest-cost provider strategy. You can save thousands on fees and interest when you cut out expensive mortgage brokers and go straight to the capital source. OfferMarket is a leading national DSCR lender that will provide you with consistently competitive pricing so you can grow your rental property portfolio profitably.

<br>

But it's not just about saving money. It's also about saving time. You want to work with a DSCR lender that has the ability to provide you with instant quoting, streamlined online processing, while still delivering attentive client service. That is hard to find. Thankfully, we've found each other and we would love to be your DSCR lender.

<br>

## Where to get a DSCR loan quote Wisconsin?

<br>

You deserve the highest leverage, lowest fees and the best client service. Get an [instant DSCR loan quote](https://www.offermarket.us/loans?ref=blog-dscr-loan-wisconsin), it takes under a minute, there's no obligation and no credit pull.

<br>

<br>

## Do you do cash out refi no seasoning for Wisconsin loans?

<br>

We do offer refinance options with no seasoning requirements. Here is the general criteria for cash out refi no seasoning for Wisconsin loans. Minimum loan amount has to be above $55,000. Minimum As-Is value on the appraisal has to be $100,000. Between 1-4 units. Must have an active lease with proof of security deposit collected. Property condition must be [C4 or better](https://www.offermarket.us/blog/property-condition-ratings-c1-c2-c3-c4-c5-c6). Minimum credit score of 680. Credit score between 680 to 699, gets maximum LTV of 70%, credit score of 700+ gets maximum LTV of 75%. Max LTC, 100% (less than 90 days seasoning), 140% (90 to 179 days seasoning). Minimum verified rehab, 20% of purchase price (less than 90 days seasoning), n/a (90+ days seasoning). Minimum verified rehab, is an improvement that has been done to the unit to verify increase in as-is value in such as short period of time  (less then 90 days) to justify the no seasoning period. Origination fee of 1 to 2 points depending on the loan amount to keep the lights on. Lender fee, $1,995 (doesn't go to OfferMarket), includes multiple fees to several different 3rd party verification services, necessary to certify the information in the Loan File for closing. Appraisal at AMC market price, we also have a promotion that new clients get 100% of their appraisal refunded at closing and 50% refund for existing clients. Time to close, 20-25 days.

<br>

I know this is a lot of information. You don't have to lift a finger to calculate any of this to see if you qualify, all you have to do is answer 14 simple questions about your deal and we will tell you if we are a good fit for you and what kind of deal we can offer you. To get an answer on your specific situation, please <b>answer 14 simple questions here</b> in our [online quoter for Wisconsin DSCR loans](https://www.offermarket.us/loans).

<br>

You can read more about our [cash out refi no seasoning requirements](https://www.offermarket.us/blog/cash-out-refi-no-seasoning) or get started on your [Wisconsin DSCR loan](https://www.offermarket.us/loans).

<br>

## Can you lend on properties worth less then $100k?

<br>

In short, no, appraisal as is value must come in at above 100k. We can only lend on properties that are less then $100k if they are in a portfolio with other properties and the portfolio's total as-is value on the appraisal is above $250k. In order to qualify for our loans, the property must appraise for at least $100k as-is at the time of the appraisal, however, total loan amount may be less then 100k, minimum loan amount is $55k.

<br>

## Are you able to lend on rural properties?

<br>

We can't lend on rural properties. How can I find out, if my property is rural? Here are more detail on how to verify if your property is rural in our [Rural Designation Search Tools](https://www.offermarket.us/blog/rural-designation-search-tools). The 2 search tools are hosted by USDA Rural Development Property Eligibility and CFPB Rural and Underserved Areas Checker. Both of the tools must flag the property as not rural for it to be eligible for our funding. Use these instruction to find out [if your property is considered rural](https://www.offermarket.us/blog/rural-designation-search-tools)

<br>

## Do I need to have my property insured to qualify for funding?

<br>

Yes, but if you don't already have insurance, we can roll it into the lending process with no extra charge or effort to you. Our insurance team works with thousands of carriers and is intimately familiar with the insurance requirements of your loan. They will be able to ether talk to the agent of your choice or find the most competitive offer without our network of carriers to complement your loan with no extra effort or expense to you. If you already have insurance, you should get an instant quote to see if we can offer you a more competitive rate and save you thousands of dollars over the lifetime of your policy. [Get you instant insurance quote](https://www.offermarket.us/insurance) here.

<br>

## How Do DSCR Loans Work in Wisconsin?

<br>

The overall process of getting a DSCR Loan in Wisconsin is approximately as follows. You submit an application for a loan (you can get started on your loan with an [instant quote](https://www.offermarket.us/loan)) answering <b>14 questions </b> about your property. An instant quote will tell you if you qualify for the loan in under 1 minute of your time. It will also show you the a preliminary interest rate and loan amount. Once you select desired LTV (which can be changed later), your quote will be converted to a Loan File for processing purposes.

<br>

You will have to submit documents as part of your Loan File for underwriting. Documents we may ask for will include personal and property documents such as purchase contracts, current leases, borrowing entity documents, deeds, title work (we will engage a title company or an attorney on your behalf to draw up these documents), background and credit reports (that we will order), bank statements for liquidity verification as well as other documents that may be applicable to your specific deal. Full list of requirements can be found here in [DSCR loan requirements](https://www.offermarket.us/blog/dscr-loan-requirements).

<br>

We will also handle all the aspects of scheduling and appraisal for you. Please note that we have a promotion, where new clients receive a 100% refund at closing for their appraisal and existing clients forever get a 50% refund for their appraisal at closing as our way to say thank you for allowing us to partner with you! Once all the loan documents are submitted, the Loan File goes through underwriting, at which point the underwriting committee may ask for additional documents depending on their discretion. Once the committee receives all the documents and approves the file, closing can be scheduled.

<br>

The closing, will be handled by the title company or at the office of closing attorney. Once closing is complete, funds will be wired. Post closing, the loan will be entered into servicing and you will receive information regarding setting up auto-pay or other options that may be available for your loan depending on the specific servicer's capabilities.

<br>

## How to get a DSCR Loan in Wisconsin?

<br>

The easiest way to start your Wisconsin DSCR loan is to click the start button next to "apply for DSCR loan" banners at the top or bottom of this page. OfferMarket's team has expansive experience working with real estate investors across Wisconsin.

<br>

## What are the requirements for a DSCR loan in Wisconsin?

<br>

If you scroll up on this page, you will see a simple checklist that details high level requirements for our DSCR loans in Wisconsin. If you want a more detailed quote for your specific deal, click "start" next to "apply for a DSCR loan" and our online quoting system will produce an accurate quote based on <b>14 questions </b>related to your deal. Most investors are able to get a complete quote in under a minute because those 14 questions most investors will know answers to. Our most detailed [DSCR Loan Requirements](https://www.offermarket.us/blog/dscr-loan-requirements) can be found here. Once you complete an online quote, you can proceed to your Loan File, where you can peruse the Loan Terms which will detail all the fees and proceeds of the loan in one convenient interface. [Get an instant loan quote and Loan File](https://www.offermarket.us/loans)

<br>

DSCR Loan Wisconsin, your guide to rental property loans in the badger state.

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DSCR Loan Wisconsin

<br>

## Agents post for sale listings on OfferMarket for free! 🚀

<br>

Are you looking for websites to post your real estate listings for free? OfferMarket is a powerful, free, marketing platform used by a growing number of real estate agents and Realtors.

<br>

Whether you have an off-market pocket listing or an on-market MLS listing, you should be posting your listings for free on OfferMarket.

<br>

## OfferMarket for Real Estate Agents

<br>

## What is OfferMarket?

<br>

OfferMarket is a real estate marketplace where agents post for free. We are a real estate technology company headquartered in Baltimore, MD with targeted distribution to qualified real estate homebuyers and investors (fix and flip, rental property) throughout the United States.

<br>

## How does OfferMarket work for agents?

<br>

1. [Create your free listing](https://www.offermarket.us/sell)
2. Receive tour requests from verified buyers
3. Receive offers from verified buyers

<br>

## Why do real estate agents post free listings on OfferMarket?

<br>

The best real estate agents are the best marketers. Top performing real estate agents are constantly looking for ways to get their listings in front of qualified buyers. They're constantly building up their network of qualified buyer leads.

<br>

Here are the main reasons why real estate agents create free listings on our real estate marketplace:

<br>

1. Generate buyer awareness (reach more buyers) 
2. Connect with qualified buyers (build your buyers list, avoid buyer's agents)
3. Market off-market deals (pocket listings) off the MLS

<br>

## Is OfferMarket really free to create listings and collect buyer leads?

<br>

One of the most common phrases we hear from agents is "this sounds too good to be true, what's the catch?". There is no catch. You can create an unlimited number of listings and collect buyer leads entirely for free. Now what are you waiting for? Start listing!

<br>

Real estate agents can post free for sale listings on OfferMarket. The best real estate agents use OfferMarket's powerful marketing platform to post all of their listings.

Real estate agents post free for sale listings on OfferMarket

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Can real estate agents post free for sale listings on OfferMarket?

Grow your real estate investing business with the most competitive DSCR loan product. OfferMarket also provides DSCR rental loans, bridge loans, hard money, fix & flip, rehab, ground up construction loans.

Rental Loans

Off-Market Real Estate Marketplace

<br>

<iframe width="560" height="315" src="https://www.youtube.com/embed/Sy8RMWsR_Qw" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>

<br>

## Off-Market Real Estate Marketplace

<br>

This video guest starring [slimlord1986](https://www.instagram.com/slimlord1986/) features [5505 Stuart Ave, Baltimore, MD 21215](https://www.offermarket.us/listings/5505-Stuart-Ave-Baltimore-MD-21215-USA), available exclusively from OfferMarket investment property marketplace.

<br>

If you're buying or selling single family or multi-family real estate, check out OfferMarket's real estate marketplace.

Luxury Redefined Episode 1 features 5505 Stuart Ave, Baltimore, MD 21215. A distressed listing with so much potential.

*Quote takes 1 minute, no credit pull

*1 quote from 40+ carriers

*New listings daily

Luxury Redefined: Episode 1

* Takes 2 minutes, no credit pull

Off-Market Real Estate Marketplace

* Takes 2 minutes, no credit pull