WYOMING (WY) WHOLESALE UNDERWRITING DESK · 2 MAJOR CITIES (50,000+ POP)

Wyoming DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans

Wyoming (WY) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Wyoming utilize Non-Judicial (Foreclosure by Advertisement & Sale) security instruments, with an average non-homestead effective property tax rate of 0.58%, a median 1–4 unit investment home price of $345,000 (median rent $2,450/mo), and 5+ unit multifamily market rents averaging $1,420/door. Arranged by Loan Daddy LLC (NMLS #2827624).

SECURITY INSTRUMENT

Non-Judicial (Foreclosure by Advertisement & Sale)

EFFECTIVE PROPERTY TAX

0.58% Avg ($167/mo)

MEDIAN 1–4 UNIT PRICE & RENT

$345,000 · $2,450/mo

5+ UNIT MULTIFAMILY RENT

$1,420/door/mo

Wyoming Pre-Populated Underwriting Terminal

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

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #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: $345,000·Loan/Door: $258,750·Avg Rent/Door: $2,450/mo

Property Value / Purchase Price$345,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR AirDNA)$2,450/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 126 bps · 7500 bps LTV · 6625 bps Rate

1.26x

Tier-1 Institutional (1.25x+ — Max LTV & Best Pricing)

Loan Amount (75% LTV)$258,75025,875,000 _cents

Monthly P&I Debt Service$1,657/mo@ 6.625% Note Rate

Total Monthly PITIA$1,944/moTax: $167 · Ins: $121

Net Monthly Cash Flow+$506/mo$6,068/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)	$1,944/mo	1.26x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$1,987/mo	1.23x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$1,797/mo	1.36x

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.

Wyoming Cities with Population ≥ 50,000 (2 Markets)

Click any Wyoming city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:

City (WY)	County	2026 Est. Pop	Effective Tax Rate	Median 1–4 Unit Price	Median Monthly Rent	5+ Unit Rent/Door
Cheyenne, WY →	LARAMIE County County	68,068	0.58%	$330,000	$2,350/mo	$1,375/door
Casper, WY →	NATRONA County County	64,995	0.55%	$320,000	$2,300/mo	$1,325/door

All 10 Loan Programs & 6 Unit Tiers in Wyoming

DSCR Loans in WY →Hard Money Loans in WY →Private Money Loans in WY →Fix & Flip Loans in WY →Bridge Loans in WY →Ground-Up Construction in WY →Multifamily (5+ Units) in WY →Commercial Property in WY →Rehab & BRRRR Loans in WY →Cash-Out Refinance in WY →

1–4 Units (1–4 Units)5–8 Units (5–8 Units)5–9 Units (5–9 Units)5–10 Units (5–10 Units)5–25 Units (5–25 Units)5+ Units & Portfolios (5+ Units & Portfolios)