What are DSCR loan rates in Wyoming?

As of November 2025, DSCR loan rates in Wyoming start in the mid-7% range for borrowers with 700+ credit and 25% down. Rates vary by LTV, DSCR ratio, and property type.

What's the minimum DSCR ratio to qualify in Wyoming?

Most Wyoming DSCR programs require a 1.0 ratio (rent ≥ PITI). FundNow offers programs down to 0.75 DSCR with compensating factors.

Can I get a DSCR loan in Wyoming as an out-of-state investor?

Yes. We routinely fund out-of-state and foreign-national investors buying rental properties in Wyoming. No state-of-residence requirement.

Does FundNow lend on short-term rentals in Wyoming?

Yes. We offer dedicated DSCR programs for Airbnb and VRBO properties in Wyoming, including projected STR income from AirDNA or similar data sources.

How fast can I close a DSCR loan in Wyoming?

Typical close time in Wyoming is 13–21 days from application, depending on appraisal and title turnaround.

Wyoming (WY)

DSCR Loans in Wyoming

Property-cash-flow mortgages for Wyoming real estate investors. No tax returns, 80% LTV, close in 13 days.

Get a WY DSCR Quote Run DSCR Calculator

Why DSCR Loans Work in Wyoming

No state income tax and limited housing supply keep Wyoming rents firm across its small but stable markets.

Average Rent

$1,350/mo

Top Markets

Cheyenne & Casper for rentals; Jackson for STR.

Close Time

13–21 days statewide

Wyoming DSCR Loan Program

Loan Amount
$100,000 – $5,000,000+
Max LTV
80% purchase · 80% cash-out refi
Minimum Credit
620 FICO
Minimum DSCR
1.0 (sub-1.0 with compensating factors)
Property Types
1–8 unit residential, condos, small multi-family, STR
Borrower Entity
Individual, LLC, LP, Trust
Income Documentation
None required
Rate Range
Mid-7% to low-9% (Nov 2025)

Cities We Fund in Wyoming

Cheyenne

Casper

Laramie

Gillette

Plus every other city, town, and county across Wyoming. Statewide coverage.

Related Resources

DSCR Loan Program Overview →

Full program details, rates, and how DSCR loans work.

DSCR Loan Requirements →

Credit, DSCR ratio, down payment, and documentation.

DSCR vs Conventional →

Compare DSCR to traditional investment mortgages.

DSCR Calculator →

See if your Wyoming property qualifies in 30 seconds.

DSCR Loans in Other States

Frequently Asked Questions

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