DSCR Loans in Wyoming
Wyoming's no state income tax, ultra-low property taxes, and Jackson Hole's premium STR market create unique DSCR opportunities in the Mountain West.
MARKET OVERVIEW
Wyoming DSCR Loan Market
Wyoming is the least populous state in the country, but it offers unique DSCR investment opportunities. Jackson Hole is one of the most exclusive resort markets in America, with STR properties generating premium income. Cheyenne benefits from proximity to Colorado's Front Range and military presence (F.E. Warren AFB). Wyoming has no state income tax and very low property taxes (0.56%). Long-term rental DSCR ratios are tight due to limited rental demand relative to prices, making the STR DSCR program the most relevant product. The state is extremely landlord-friendly with minimal regulation.
Top Investor Cities
- Cheyenne
- Casper
- Jackson
Monthly tax on $335,000 property: $156/mo
PROGRAMS AVAILABLE IN WYOMING
8 DSCR Loan Programs for Wyoming Investors
Standard DSCR
The most popular option. 20% down, 660+ credit.
No-Ratio DSCR
No minimum DSCR required. 30% down.
Interest-Only DSCR
Lower monthly payments for better cash flow.
STR DSCR
Use projected Airbnb/VRBO income to qualify.
Foreign National DSCR
No SSN or US credit history required.
Bank Statement DSCR
Hybrid qualification for self-employed investors.
Portfolio DSCR
Finance multiple properties under one loan.
Bridge-to-DSCR
Purchase, rehab, then refinance into DSCR.
REQUIREMENTS
DSCR Loan Requirements in Wyoming
Licensing & Regulatory
Loans in Wyoming are originated by [Broker A], NMLS# [XXXXXX], licensed in Wyoming.
All lending decisions and terms are determined solely by the matched broker and their wholesale lending partners.
Common Property Types
- Single-Family Rentals
- Short-Term Rentals
- Condos/Townhomes
Down Payment & LTV
- Standard DSCR: 20% minimum down (80% LTV)
- No-Ratio DSCR: 30% minimum down (70% LTV)
- 30%+ down unlocks No-Ratio DSCR programs and broader lender access
Appraisal & Rent Schedule
- Form 1007 rent schedule required with appraisal
- Appraisal estimates market rent for DSCR calculation
- STR properties: AirDNA projected income accepted
DEAL EXAMPLE
Sample DSCR Deal in Cheyenne, Wyoming
Single-Family Rental
Cheyenne, Wyoming
Monthly Breakdown
This borrower closed in 25 days with no income verification, no tax returns, and no employment check.
Results may vary. This is a representative example, not a guarantee of future performance.
This deal example is for illustrative purposes only and is based on representative scenarios across our broker network. Actual loan terms, approval, and closing depend on your full credit profile, property details, appraisal, and the matched lender's specific guidelines. This is not a loan offer or commitment to lend.
FREQUENTLY ASKED
DSCR Loan Questions for Wyoming Investors
DSCR loans in Wyoming require a minimum 660 credit score, 20% minimum down payment, and non-owner-occupied status. No income docs or tax returns needed. The No-Ratio and STR DSCR programs are most relevant for Wyoming's market.
Rates start from 5.99% for 740+ FICO with 35%+ down. Most Wyoming investors see rates between 6.75% and 7.75%.
Yes. Jackson Hole is a world-class STR market with premium nightly rates during ski season and summer tourism. Yellowstone-adjacent properties also generate strong seasonal income. Our STR DSCR program uses projected income to qualify.
Wyoming's effective property tax rate is approximately 0.56%, among the lowest in the nation. On a $315,000 property, that's only $147/month. This low rate helps offset the tighter DSCR ratios from Wyoming's price-to-rent dynamics.
Yes. DSCR loans have no owner-occupancy requirement. Wyoming's no income tax, low property taxes, and strong LLC protections make it attractive for out-of-state investors. Jackson Hole properties attract nationwide investment.
Explore DSCR Loans in Nearby States
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Match Me With a SpecialistLoans in Wyoming are originated by [Broker A], NMLS# [XXXXXX], licensed in Wyoming. is not affiliated with DSCRBroker.com except as a participating broker in our matching network. All lending decisions and terms are determined solely by the matched broker and their wholesale lending partners.