**Last Update**: December 3, 2024

 

In the world of finance and real estate, acronyms like DSCR often pop up, leaving many wondering what they truly mean. DSCR, or [Debt Service Coverage Ratio](https://www.offermarket.us/blog/dscr-debt-service-coverage-ratio), is a critical metric used to evaluate a borrower's ability to repay debt. It's a term that plays a significant role in lending decisions, especially for businesses and property investors.

 

Understanding DSCR is essential for anyone navigating loans or investments. It provides insight into financial health, helping [lenders](https://www.offermarket.us/blog/private-lender) assess risk and borrowers showcase their reliability. Whether you're a seasoned investor or just starting, knowing what DSCR stands for and how it works can make all the difference in securing funding or managing finances effectively.

 

<div style="position: relative;width: 100%;overflow: hidden; padding-top: 56.25%;"> <iframe style="position: absolute; top:0; left:0; bottom:0; right:0; width: 100%; height: 100%;border: none;" src="https://www.youtube.com/embed/QBJw5lm-Ajs" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen> </iframe> </div> 

 

## Understanding DSCR

 

DSCR stands for Debt Service Coverage Ratio. It's a critical financial metric calculated to assess a borrower's capacity to cover debt obligations from net operating income.

 

### What Does DSCR Stand For?

 

DSCR represents the ratio of [net operating income](https://www.offermarket.us/blog/noi-net-operating-income) to total debt service. Net operating income refers to earnings before interest, taxes, depreciation, and amortization (EBITDA). Total debt service includes principal and interest payments due during a specific period. A DSCR greater than 1 indicates sufficient income to meet debt obligations, while a ratio below 1 suggests a likelihood of default.

 

### Importance Of DSCR In Financial Analysis

 

Lenders and investors use DSCR to evaluate financial risk. Businesses seeking loans or lines of credit often rely on favorable DSCR values to secure funding. For example, a DSCR of 1.25 implies $1.25 in income for every $1 of debt service, signaling financial stability. Analysts assess DSCR to guide lending decisions, measure asset performance, and ensure effective financial planning.

 

## Components Of DSCR

 

DSCR consists of two primary components: net operating income and [debt service](https://www.offermarket.us/blog/dscr-loan-terms). These elements determine the ratio's value and provide insights into financial stability.

 

### Net Operating Income

 

Net operating income (NOI) represents earnings after operating expenses but before interest, taxes, depreciation, and amortization. It reflects a borrower’s profitability from core operations. For example, in a real estate context, operating income includes rental revenue minus property management costs, maintenance, and utilities. Accurate calculation of NOI ensures reliable DSCR analysis.

 

### Debt Service

 

Debt service comprises total payments due for principal and interest during a specific period. This figure includes all loan obligations, such as mortgage payments for [real estate investors](https://www.offermarket.us/blog/reia) or term loan installments for businesses. Evaluating debt service helps lenders assess repayment capacity. For instance, a monthly debt service of $10,000 paired with a monthly NOI of $15,000 results in a DSCR of 1.5.

 

## How DSCR Is Calculated

 

[Calculating DSCR](https://www.offermarket.us/blog/how-to-calculate-dscr) involves using a straightforward formula to determine the relationship between net operating income (NOI) and total debt service. This process provides insights into financial risk and repayment capacity.

 

![DSCR Formula Interest Only](https://cms.offermarket.us/uploads/DSCR_Formula_Interest_Only_9bcd6c02ff.jpg)

 

### Formula Breakdown

 

The formula for DSCR is:

 

DSCR = Net Operating Income (NOI) ÷ Total Debt Service

 

[Net operating income](https://www.offermarket.us/blog/how-do-you-calculate-net-operating-income-for-dscr-loans) is the income remaining after subtracting operating expenses but before deducting interest, taxes, depreciation, and amortization. Total debt service includes all principal and interest payments due within a given period, covering all loan obligations. Accurate values for both components are essential for a reliable DSCR calculation.

 

### Example Calculation

 

Consider a borrower with a monthly NOI of $20,000 and total monthly debt service of $15,000. Using the formula:

 

DSCR = $20,000 ÷ $15,000 = 1.33

 

This DSCR of 1.33 indicates that the borrower generates $1.33 in income for every $1 of debt obligation, reflecting adequate financial health and repayment capacity. Lenders might consider this ratio favorable for approving loans or credit.

 

## Applications Of DSCR

 

[DSCR ratio](https://www.offermarket.us/blog/what-is-dscr-ratio) plays a critical role in various financial scenarios by assessing repayment capacity and reducing risk. Its applications span real estate, business loans, and investment analysis.

 

### In Real Estate

 

Lenders and property developers use DSCR to evaluate the viability of real estate projects. A DSCR greater than 1 ensures that property-generated income can cover debt obligations. For example, a commercial property with an NOI of $150,000 and annual debt service of $120,000 delivers a DSCR of 1.25, indicating sustainable financial performance. Lenders rely on this metric to approve loans for property acquisition or development, reducing default risks.

 

### In Business Loans

 

Financial institutions calculate DSCR to ensure businesses can manage loan repayments. A strong DSCR, such as 1.5 or higher, demonstrates that a company's cash flow exceeds required debt payments by 50%. This is essential in determining loan eligibility and [interest rates](https://www.offermarket.us/blog/dscr-loan-interest-rates). For example, a business with EBITDA of $300,000 and debt service of $200,000 has a DSCR of 1.5, implying a robust capacity to meet financial obligations and a lower lending risk.

 

### For Investors

 

Investors rely on DSCR to analyze asset performance and investment potential. A high DSCR suggests stable cash flow and reduced risk, making the asset more attractive. For example, a rental property with an NOI of $50,000 and annual debt service of $30,000 generates a DSCR of 1.67, signaling strong profitability. Investors use this metric to forecast returns and decide whether an asset fits their financial goals.

 

## Pros And Cons Of Using DSCR

 

[DSCR offers](https://www.offermarket.us/blog/who-offers-dscr-loans) valuable insights into financial health and debt management but comes with its set of advantages and limitations. Understanding these helps stakeholders make informed decisions in lending and investing.

 

### Benefits Of DSCR

 

1.	**Financial Risk Assessment**
DSCR enables lenders and investors to evaluate financial risk effectively. A higher ratio, such as 1.5 or above, indicates strong cash flow relative to debt obligations, signaling lower risk in repayment defaults.
2.	**Loan Qualification**
Lenders use DSCR to determine borrower eligibility for loans and lines of credit. A favorable DSCR simplifies decision-making for loan approvals, offering clarity into repayment potential.
3.	**Performance Benchmarking**
DSCR serves as a benchmark for financial performance. Businesses and real estate investors use it to identify operational efficiency and profitability in managing debt.
4.	**Investment Analysis**
Investors rely on DSCR to assess asset viability. A property with a DSCR of 1.25 or higher reflects reliable income streams and ensures financial sustainability over the long term.
1.	**Variability Based On Calculations**
 Different interpretations of NOI and debt components may lead to inconsistent DSCR calculations. Varied approaches to accounting for non-operating income, taxes, or amortization could distort the ratio's accuracy.
2.	**Exclusion Of Future Risks**
DSCR measures current financial capacity but doesn’t account for potential market changes or income fluctuations. Projections based on static DSCR values might overlook unforeseen risks.
3.	**Industry-Specific Benchmarks**
Different industries and sectors have varied DSCR standards. A ratio considered acceptable in real estate may be insufficient in high-risk business loans, complicating universal application.
4.	**Focus On Debt Repayment**
DSCR emphasizes meeting debt obligations but may overlook other financial metrics like liquidity or competitive market positioning. Sole reliance on DSCR could result in incomplete financial assessments.

 

## Conclusion

 

DSCR serves as a vital tool in evaluating financial stability and repayment capacity across various industries. Its ability to provide clear insights into cash flow and debt obligations makes it indispensable for lenders, borrowers, and investors alike. By understanding and applying DSCR effectively, stakeholders can make informed decisions, reduce financial risks, and achieve their goals with greater confidence.

 

## Frequently Asked Questions

 

**What is DSCR?**
 DSCR, or Debt Service Coverage Ratio, is a financial metric that measures a borrower's ability to repay debt. It is calculated by dividing Net Operating Income (NOI) by total debt service (principal and interest payments). A DSCR greater than 1 indicates sufficient income to cover debt obligations, while a ratio below 1 suggests a risk of default.

 

**Why is DSCR important in real estate?**
 In real estate, DSCR helps determine whether a property generates enough income to cover its debt obligations. Lenders use this ratio to evaluate loan eligibility, while investors assess it to gauge a property’s financial performance and investment potential.

 

**How is DSCR calculated?**
 DSCR is calculated using the formula:
DSCR = Net Operating Income (NOI) ÷ Total Debt Service
For instance, if a borrower’s monthly NOI is $20,000 and their total monthly debt service is $15,000, DSCR would be 1.33, indicating good financial health.

 

**What is considered a good DSCR?**
 A DSCR of 1.25 or higher is generally considered good, as it signals that the borrower earns $1.25 for every $1 of debt obligation. Higher DSCR values indicate stronger financial stability and repayment capacity.

 

**How does DSCR affect loan approval?**
 Lenders use DSCR to assess a borrower’s ability to manage debt repayment. A strong DSCR increases the likelihood of loan approval and may result in more favorable terms, such as lower interest rates.

 

**What are the main components of DSCR?**
 The two primary components of DSCR are:
•	Net Operating Income (NOI): Earnings before interest, taxes, depreciation, and amortization (EBITDA).
•	Total Debt Service: Total payments (principal and interest) owed during a specific period.

 

**Can DSCR vary by industry?**
 Yes, DSCR benchmarks vary across industries. For example, real estate projects might require a DSCR of at least 1.25, while business loans may have higher expectations, depending on the sector and risk involved.

 

**How is DSCR used in business loans?**
 For business loans, lenders evaluate DSCR to ensure the company generates sufficient cash flow to meet loan repayments. A DSCR above 1.5 often demonstrates strong financial health and increases approval odds.

 

**What role does DSCR play in investment analysis?**
 Investors use DSCR to analyze asset performance and risk. A high DSCR suggests stable cash flow and lower financial risk, making the asset more attractive for long-term returns and profitability.

 

**What are the limitations of DSCR?**
 DSCR has limitations, such as variability in calculation methods, exclusion of future risks, and reliance on historical data. It may not fully capture industry-specific issues or broader financial metrics beyond debt repayment.

 

## DSCR Loan Quote

 

![DSCR loan quote](https://cms.offermarket.us/uploads/DSCR_loan_quote_c3ae268aed.jpg)

 

Our mission is to help you build wealth through real estate. Let's grow and optimize your rental property portfolio!

 

- Get your instant [DSCR loan quote](https://www.offermarket.us/loans?ref=content) today!
- Save big on premiums with our [landlord insurance rate shopping service](https://www.offermarket.us/insurance?ref=content)!
- Interested in exclusive investment opportunities? [Browse off market properties](https://www.offermarket.us/listing?ref=content) now!
- Join our [Facebook community](https://www.facebook.com/OfferMarketUS) to stay up-to-date with the latest platform updates and market insights.
- Subscribe to our [Youtube channel](https://www.youtube.com/@offermarket) for our monthly DSCR loan update.

What does DSCR stand for? Learn about the debt service coverage ratio, its significance in finance, and how it impacts real estate investment strategies.

What Does DSCR Stand For Understanding Debt Service Coverage Ratio in Finance and Real Estate

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What Does DSCR Stand For? Finance & Real Estate

What Does DSCR Stand For? Understanding Debt Service Coverage Ratio in Finance and Real Estate

**Last updated:** May 28 , 2024

 


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.

 

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.

 

## Where to get DSCR Loans Wisconsin?

 

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.

 

## What are Wisconsin DSCR Loan Interest Rates?

 

<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>

 

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

 

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

 

<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>

 

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

 

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.

 

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.

 

## What areas in Wisconsin do you serve?

 

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.

 

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.

 

- 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.

 

Milwaukee Metro Area

 

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.

 

- 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.

 

Madison Metro Area

 

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.

 

- 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.

 

Green Bay/Fox Valley

 

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.

 

- 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.

 

Other Areas of Note

 

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

 

- 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.

 

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.

 

## What are the best DSCR lender Wisconsin?

 

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.

 

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.

 

## Where to get a DSCR loan quote Wisconsin?

 

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.

 

 

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

 

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.

 

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 answer 14 simple questions here in our [online quoter for Wisconsin DSCR loans](https://www.offermarket.us/loans).

 

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).

 

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

 

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.

 

## Are you able to lend on rural properties?

 

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)

 

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

 

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.

 

## How Do DSCR Loans Work in Wisconsin?

 

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 14 questions 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.

 

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).

 

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.

 

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.

 

## How to get a DSCR Loan in Wisconsin?

 

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.

 

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

 

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 14 questions 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)

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

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DSCR Loans for Rental Property Investors in Wisconsin

DSCR Loan Wisconsin

## OfferMarket launched today on Product Hunt, and we failed miserably.

 

We tried launching on Product Hunt today, if that's what you'll call it. We half-assed it. We put together our launch post and asked a few friends to upvote. 6 hours in and we have 3 referrals to our site from Product Hunt.

 

One person we asked for an upvote replied "I just like sold my soul to give you an upvote", here's what they were referring to in the sign up with Twitter authentication flow:

 

![twitter-authorize-an-application.jpg](https://cms.rentstack.co/uploads/twitter_authorize_an_application_b660bf2b3a.jpg)

 

Then we tried to have some people find us on Product Hunt, but they couldn't because their search doesn't work...

 

![producthunt-offermarket-search-no-results.png](https://cms.rentstack.co/uploads/producthunt_offermarket_search_no_results_bbcc62ab9f.png)

 

So that's when we realized we probably were not going to be raising much awareness on Product Hunt this time around. It also made it clear that Product Hunt either has some bugs or performance issues, or the only people whose product launches percolate to the top of the daily rankings do one or both of the following:

 

- know a lot of people already on Product Hunt and build a following on Product Hunt before launch
- coerce a lot of friends, family and others for upvotes

 

## Which doesn't lend much credibility to the platform as a utility for finding valuable tools.

 

Moving on then. We'll try again next time. We hope you enjoyed our post-mortem and how not to launch on Product Hunt.

 

<iframe style="border: none;" src="https://cards.producthunt.com/cards/posts/272573?v=1" width="500" height="405" frameborder="0" scrolling="no" allowfullscreen></iframe>

OfferMarket launched on Product Hunt! This is a post on how not to launch on Product Hunt.

Try To Find OfferMarket On Product Hunt - OfferMarket

Try To Find Us On Product Hunt

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

### What is an ADU?

 

ADU stands for "accessory dwelling unit". An ADU is a smaller residential dwelling unit - commonly referred to as a "granny flat", "secondary suite", "accessory apartment" - located on the same lot as a larger detached single-family home.

 

### Related concepts:

 

- [SFR](https://www.offermarket.us/real-estate-glossary/sfr)
- [Duplex](https://www.offermarket.us/real-estate-glossary/duplex)

An ADU is an Accessory Dwelling Unit, which is also referred to as a "granny flat". There's more to learn at OfferMarket.

*Quote takes 1 minute, no credit pull

*1 quote from 40+ carriers

*New listings daily

What is ADU in real estate?

* Takes 2 minutes, no credit pull

What is an ADU?

* Takes 2 minutes, no credit pull