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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

Example DSCR Calculation for Kenosha, WI

Here's how a typical DSCR loan works using Kenosha's actual market data.

Loan Structure

Purchase Price$250,000
Down Payment (20%)$50,000
Loan Amount$200,000
Interest Rate7.5%

Monthly Costs (PITIA)

Principal & Interest$1,398
Property Tax (1.76% rate)$367
Insurance$150
Total PITIA$1,915

DSCR Result

Monthly Rent
$1,300
÷
Monthly PITIA
$1,915
=
DSCR Ratio
0.68

Based on Kenosha's median home price of $250,000 and median rent of $1,300/month, a typical DSCR investment produces a challenging DSCR ratio. Investors may need a larger down payment (25-30%) to improve the ratio, or should target properties priced below the median. With a 20% down payment of $50,000, the monthly PITIA (principal, interest, taxes, insurance) comes to $1,915. The local property tax rate of 1.76% and annual insurance cost of $1,800 are factored into this calculation.

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 from $1,300/mo rents ensures positive DSCR, while manufacturing employment keeps vacancies manageable at 8.3%. Both Downtown and Uptown offer investor-friendly fundamentals.

DSCR Ratio
0.68
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?
Kenosha properties at median price points typically achieve DSCR ratios around 0.90 to 1.05, which may require rate buydowns or larger down payments. The Manufacturing sector and strong tenant demand support consistent rental performance.
Can I buy a Kenosha rental property with less than 25% down?
DSCR loans in Kenosha typically require 20-25% down payment. Based on the median home price of $250K, investors should plan for approximately $50,000-$62,500 down, plus closing costs and reserves.
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?
DSCR lenders evaluate Kenosha short-term rentals using either actual STR history (12+ months preferred) or projected income from third-party data providers. The market supports STR strategies in select areas, but lenders typically require 75-80% of projected income for conservative underwriting.
What's the property tax rate for Kenosha investment properties?
Kenosha property taxes at 1.76% are in line with state averages. For DSCR investors, this means careful underwriting is needed to ensure adequate coverage.
How has rent growth trended in Kenosha?
Kenosha remains attractive for real estate investors in 2026 due to metra commuter rail to chicago draws illinois commuters seeking wi affordability. With +4.0% rent growth and 8.3% vacancy, fundamentals remain solid. Amazon fulfillment center and Foxconn industrial development boost employment
How does Kenosha's growth affect DSCR underwriting?
DSCR lenders typically use current rents rather than projected growth for Kenosha underwriting. However, +4.0% growth means properties that barely qualify today will have stronger ratios by Year 2-3. This growth trajectory makes Kenosha attractive for DSCR investors seeking improving cash flow and refinance potential.

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