Appleton, WI · OUTAGAMIE County County · 2026 Population: 80,220 · NMLS #2827624 · AZ CMB #CMB-2016143

Appleton, Wisconsin DSCR, Hard Money, Fix & Flip & 5–25+ Unit Multifamily Loans

Appleton, WI Local Underwriting Snapshot (OUTAGAMIE County County): With a 2026 population of 80,220, Appleton carries an effective property tax rate of 1.64%, a median 1–4 unit investment property price of $285,000, and a median market rent of $2,200/mo. At 75% LTV ($213,750 loan amount), estimated monthly PITIA is $1,911/mo, yielding an estimated baseline DSCR of 1.15x. For 5–25+ unit apartment buildings in Appleton, typical valuation averages $119,700/door with $1,300/mo/door market rents.

County & 2026 PopulationOUTAGAMIE County County (80,220)

Effective Property Tax Rate1.64% ($390/mo)

Median 1–4 Unit Price & Rent$285,000 · $2,200/mo

5–25+ Unit Multifamily Avg$119,700/door · $1300/mo

WI Foreclosure & SecurityJudicial (6-Month Commercial / Non-Owner Redemption) (180–240 days)

Appleton, WI Pre-Populated Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $285,000·Loan/Door: $213,750·Avg Rent/Door: $2,200/mo

Property Value / Purchase Price$285,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$2,200/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 118 bps · 7500 bps LTV · 6625 bps Rate

1.18x

Standard Multifamily / DSCR Pass (1.15x–1.24x)

Loan Amount (75% LTV)$213,75021,375,000 _cents

Monthly P&I Debt Service$1,369/mo@ 6.625% Note Rate

Total Monthly PITIA$1,858/moTax: $390 · Ins: $100

Net Monthly Cash Flow+$342/mo$4,105/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$1,858/mo	1.18x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$1,893/mo	1.16x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$1,736/mo	1.27x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.

Appleton, WI Short-Term Rental (STR), ADU & Legal Underwriting Notes

Local Municipal & Zoning Guidance: Wholesale DSCR and multifamily lenders in Appleton (OUTAGAMIE County County, WI) underwrite both 12-month long-term leases (Form 1007 / Form 1025) and compliant short-term rentals (Form 1007 STR / 12-month booking ledger) subject to local municipal registration.

Wisconsin Statutory Security Instrument: Loans in Appleton (OUTAGAMIE County County) are secured via Mortgage Instrument under Wisconsin's Judicial (6-Month Commercial / Non-Owner Redemption) framework (180–240 days). Insurance underwriting note: Standard DP-3 landlord dwelling fire, general liability & rent-loss coverage required..