DSCR Loans in Kenosha County, Wisconsin
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 82 lenders made 242 investment-property loans in Kenosha County, 2.7% of Wisconsin's total. Dominick Prevete arranges DSCR loans across Kenosha County, Wisconsin, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $270,000.
Kenosha County investor market at a glance
| Statistic | Kenosha County | Wisconsin | County rank |
|---|---|---|---|
| Investor loans | 242 | 8,874 | 10th of 17 |
| Reporting lenders | 82 | 462 | 6th of 17 |
| Loan volume | $48.2M | $1.96B | 10th of 17 |
| Average loan | $199K | $221K | 10th of 17 |
| Median loan | $175K | $175K | 7th of 17 |
| Purchases | 45.9% | 59.3% | 17th of 17 |
| Cash-out refinances | 38.4% | 16.9% | 1st of 17 |
| 2–4 unit properties | 38.4% | 41.0% | 12th of 17 |
| Top five lenders' share | 37.6% | 14.2% | 11th of 17 |
| Reported business-purpose | 73.1% | 66.8% | 4th of 17 |
Kenosha County: closed-end loans on 1–4 unit investment properties. Kenosha County's rank is highest first, among Wisconsin's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Kenosha County's investor loans.
What stands out in Kenosha County
38.4% of Kenosha County's investor loans were cash-out refinances, the highest share of Wisconsin's 17 counties with published data (statewide: 16.9%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
45.9% of Kenosha County's investor loans were purchases, the lowest share of Wisconsin's 17 counties with published data (statewide: 59.3%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
By share of investor loans reported as business-purpose, Kenosha County ranks 4th-highest of Wisconsin's 17 counties with published data (statewide: 66.8%).
73.1% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Kenosha County?
At HUD's fair market rent of $1,956 for a 3-bedroom in Kenosha County, Wisconsin, a rental covers its full DSCR payment up to a purchase price of about $270,000, with 20% down at the 7.25% starting rate (November 2026). Kenosha County's median home value is $265,500; at that price the payment is $1,908 a month, so the property would need $1,925 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,441 / $1,956 / $2,228 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $265,500 |
| Median property taxes and effective rate | $4,179 (1.57% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,908 |
| Rent needed to cover that payment | $1,925 |
| Coverage of a 3-bedroom at fair market rent | 1.03 |
| Highest price a 3-bedroom at fair market rent covers | about $270,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Kenosha County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Kenosha County?
The most active investment-property lenders in Kenosha County in 2025 HMDA data were HOMEXPRESS MORTGAGE CORP., EDUCATORS CREDIT UNION and T2 FINANCIAL LLC, out of 82 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including two that reported in Kenosha County, and matches each file to the one most likely to fund it.
Kenosha County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 242 loans and $48.2M from 82 lenders. HOMEXPRESS MORTGAGE CORP. led Kenosha County with 27 loans, 11.2% of the county's total, and the average Kenosha County loan of $199K compares with $221K across Wisconsin.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| HOMEXPRESS MORTGAGE CORP. | 27 | $4.4M | $163K | 0.0% |
| EDUCATORS CREDIT UNION | 20 | $3.6M | $180K | 20.0% |
| T2 FINANCIAL LLC | 17 | $2.9M | $171K | 17.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 17 | $2.9M | $170K | 64.7% |
| GATEWAY MORTGAGE CORPORATION | 10 | $2.0M | $199K | 80.0% |
| Community State Bank | 9 | $3.1M | $345K | 66.7% |
| United Wholesale Mortgage | 8 | $1.4M | $178K | 37.5% |
| OCMBC, INC. | 7 | $1.5M | $216K | 85.7% |
| CHAMPIONS FUNDING, LLC | 6 | $1.2M | $197K | 33.3% |
| Fairway Independent Mortgage Corporation | 6 | $1.2M | $195K | 50.0% |
| Bank Five Nine | 6 | $1.1M | $190K | 33.3% |
| NFM, INC. | 4 | $0.7M | $183K | 50.0% |
| Blackhawk Community Credit Union | 4 | $0.3M | $88K | 0.0% |
| GUARANTEED RATE, INC. | 3 | $0.7M | $238K | 66.7% |
| Landmark Credit Union | 3 | $0.6M | $212K | 33.3% |
| Johnson Financial Group | 3 | $0.6M | $188K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $0.5M | $182K | 100.0% |
| Republic Bank of Chicago | 3 | $0.5M | $165K | 100.0% |
| U.S. Bank National Association | 3 | $0.3M | $102K | 0.0% |
| American Community Bank & Trust | 2 | $1.0M | $490K | 50.0% |
| Starion Bank | 2 | $0.7M | $365K | 0.0% |
| LENDINGONE, LLC | 2 | $0.5M | $245K | 50.0% |
| Kiavi Funding, Inc. | 2 | $0.4M | $215K | 100.0% |
| CV3 Financial Services, LLC | 2 | $0.4M | $210K | 100.0% |
| North Shore Bank | 2 | $0.4M | $195K | 100.0% |
154 Wisconsin loans (1.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Kenosha County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Kenosha County CSV, all 25 lenders
What Kenosha County's table can't show you: fit. Short-term financing is exempt from HMDA, so Kenosha County's fix-and-flip and bridge lenders barely appear among its 82 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Kenosha County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Kenosha County |
|---|---|---|---|
| Racine County, WI | 375 | 107 | Borders Kenosha County |
| Lake County, IL | 888 | 169 | Borders Kenosha County |
| Allegan County, MI | 114 | 58 | Borders Kenosha County |
| Walworth County, WI | 157 | 87 | Borders Kenosha County |
| McHenry County, IL | 328 | 103 | Borders Kenosha County |
Run the coverage test on your Kenosha County, Wisconsin deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Kenosha County, Wisconsin property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Kenosha County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 82 lenders and 242 loans: 2025 HMDA loan-level data rolled up to Kenosha County.
- Kenosha County investor-lender dataset (CSV) — All 25 lenders in the Kenosha County, Wisconsin table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Kenosha County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Kenosha, WI MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Kenosha County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.