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Kenosha, WI DSCR LoansHybrid Market

DSCR Loans in Kenosha, WI

Finance investment properties in Kenosha with a DSCR loan. Qualify based on rental income, not tax returns. Median rent at $1,300/mo with +4.0% annual growth.

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$1,300/mo
Median Rent
$250K
Median Home Price
+4.0%
Rent Growth (YoY)
100K
Metro Population

Market data updated 2026-01-30

Kenosha Market Snapshot

Why Invest in Kenosha?

  • Metra commuter rail to Chicago draws Illinois commuters seeking WI affordability
  • Amazon fulfillment center and Foxconn industrial development boost employment
  • Lakefront community with revitalizing downtown and marina district

Key Economic Drivers

ManufacturingHealthcareRetailEducation
Median Rent
$1,300/mo
Rent Growth
+4.0%

Property Types We Finance

Single Family2-4 UnitsMulti-FamilyTownhomes

Popular Investment Areas

DowntownUptownPleasant PrairieSomers

Metro Population

100K

Kenosha metro area — a strong tenant pool for rental property investors.

DSCR Analysis

Hypothetical DSCR Illustration for Kenosha, WI

An illustration built from Kenosha's market data, with no interest rate assumed. Taxes and insurance use local averages; principal and interest come from your own quote, so the figures below show how much of the median rent is left for that payment at common DSCR targets.

Loan Structure

Purchase Price (local median)$250,000
Down Payment20% of the price
Loan Amount80% of the price
Interest RateSet by your quote

Monthly Costs (PITIA)

Principal & InterestFrom your quoted rate
Property Tax (1.76% rate)$367
Insurance$150
Total PITIAP&I + taxes + insurance

What the Median Rent Has to Cover

Hypothetical illustration. DSCR = rent ÷ PITIA; no rate assumed.

Median Monthly Rent$1,300
Taxes + insurance40% of rent
Left for P&I + HOA at a 1.0 DSCR60% of rent
Left for P&I + HOA at a 1.25 DSCR40% of rent
Test the payment from your quote in the DSCR calculator

Hypothetical illustration, no interest rate assumed. At Kenosha's median rent of $1,300/month, local property taxes (1.76% of the $250,000 median price) and insurance (about $1,800 a year) use roughly 40% of the rent. To reach a 1.0 DSCR, principal, interest and any HOA dues would have to fit within the remaining 60% of rent; a 1.25 DSCR leaves about 40%. Your actual ratio depends on the payment in your own quote, which you can test in our DSCR calculator.

Estimated Cap Rate
3.5%
Kenosha's estimated cap rate is 3.54%, indicating a appreciation-focused market where price growth drives returns.
Market Comparison

Kenosha vs. Wisconsin Average

How Kenosha's rental market compares to the Wisconsin statewide average.

Median Rent
$1,300/mo
↓ 7.1% below state avg
Median Home Price
$250K
↓ 3.8% below state avg

Kenosha's median rent of $1,300/month is 7.1% below the Wisconsin state average of $1,400/month. Home prices at $250,000 are 3.8% below the state average of $260,000.

Investment Strategy

Kenosha Investment Strategy: Hybrid

For smaller-market investors, Kenosha offers a solid hybrid opportunity. The 6.24% rent-to-price ratio gives the rent room to cover the full payment, while manufacturing employment keeps vacancies manageable at 8.3%. Both Downtown and Uptown offer investor-friendly fundamentals.

Tax + Ins. / Rent
40%
Cap Rate
3.5%
Vacancy Rate
8.3%
Tax Rate
1.76%

Short-Term Rental Regulations in KenoshaModerate

Kenosha requires short-term rental operators to obtain permits and comply with local zoning regulations. Review current city and county ordinances before listing a property.

FAQ

DSCR Loan Questions for Kenosha

What DSCR ratio do I need to qualify for an investment property loan in Kenosha, WI?
You need a ratio that meets the minimum of the program your Kenosha loan is placed with. A 1.0 means the rent covers the full payment, and on many programs a larger cushion above the minimum also improves pricing. If the ratio comes in low, a larger down payment lowers the payment and raises the ratio, or a select sub-1.0 program may fit.
Can I buy a Kenosha rental property with less than 25% down?
Often, yes. Select programs allow less than 25% down on a Kenosha rental, down to 15% for stronger credit and DSCR profiles. A score near a program's floor, a ratio below 1.0, or a condo or short-term rental usually calls for more. Your loan officer confirms the maximum loan-to-value for your scenario.
What areas of Kenosha are best for DSCR loan investors?
The best Kenosha neighborhoods for investors depend on your strategy. Downtown appeals to value-add investors, while Uptown offers different opportunities. Consider the Manufacturing employment base when selecting locations.
What are the STR regulations for DSCR loan investors in Kenosha?
Kenosha's STR regulations are classified as "moderate." Permit requirements and some zoning restrictions apply. Kenosha requires short-term rental operators to obtain permits and comply with local zoning regulations. Review current city and county ordinances before listing a property. Programs only finance a short-term rental where that use is legally permitted, so confirm the address with the city first.
What's the property tax rate for Kenosha investment properties?
Kenosha applies a 1.76% average rate, typical for Wisconsin. Investment property taxes are based on assessed value, which may differ from the purchase price, and owner-occupant exemptions generally do not apply to rentals. Request a tax estimate from the county assessor and build these significant costs into your DSCR projections.
How has rent growth trended in Kenosha?
Rent growth in Kenosha has trended at +4.0% annually, outpacing national averages. Programs qualify a loan on today's lease or market rent, so future growth helps your cash flow and a later refinance rather than today's DSCR. Lakefront community with revitalizing downtown and marina district
How does Kenosha's growth affect DSCR underwriting?
Programs qualify a Kenosha loan on today's lease or market rent, not on projected growth. If +4.0% growth continues, a property that only just qualifies today could show a stronger ratio later, which can help cash flow and a future refinance.

Licensing for Wisconsin

Cornerstone First Mortgage, LLC (NMLS #173855) — Wisconsin Mortgage Banker License, No. 173855BA.

Check any license on NMLS Consumer Access, or see every state on our state license list. DSCR loans are business-purpose loans for investment property only.

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