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When you [shop for insurance](https://www.offermarket.us/insurance), whether it's **Landlord Insurance** or **Fix and Flip Insurance**, it's important to choose an insurer that is financially strong and able to meet its obligations detailed in your insurance policy.

<br> 

Many private lenders, including [OfferMarket Capital](https://www.offermarket.us/loans), have a minimum AM Best rating requirement for [DSCR Loans](https://www.offermarket.us/blog/dscr-loan-program) and [Fix & Flip Loans](https://www.offermarket.us/blog/fix-and-flip-loans). 

<br>

At OfferMarket, we require all policies be written through insurers with a minimum of A- / VIII. As you will see from the ratings tables below, that means the insurer must be considered to have an "Excellent" ability to meet their ongoing insurance obligations, and their policyholder surplus must be at least $100 million.

<br>

## What is AM Best?

<br>

AM Best is a financial services rating agency that specializes in assessing the financial strength and size of insurance companies.

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## Financial Strength Rating (FSR) Scale

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The Financial Strength Rating is a statistical assessment of an insurer's ability to meet their ongoing insurance obligations. AM Best assigns a financial strength rating from A++ (Superior) through D (Poor). Our private lending division, OfferMarket Capital, requires a minimum FSR of A- (Excellent).

<br>

<table>
<thead>
  <tr>
    <th>Rating<br>Categories</th>
    <th>Rating<br>Symbols</th>
    <th>Rating<br>Notches*</th>
  </tr>
</thead>
<tbody>
  <tr>
    <td>Superior</td>
    <td>A+</td>
    <td>A++</td>
  </tr>
  <tr>
    <td>Excellent</td>
    <td>A</td>
    <td>A-</td>
  </tr>
  <tr>
    <td>Good</td>
    <td>B+</td>
    <td>B++</td>
  </tr>
  <tr>
    <td>Fair</td>
    <td>B</td>
    <td>B-</td>
  </tr>
  <tr>
    <td>Marginal</td>
    <td>C+</td>
    <td>C++</td>
  </tr>
  <tr>
    <td>Weak</td>
    <td>C</td>
    <td>C-</td>
  </tr>
  <tr>
    <td>Poor</td>
    <td>D</td>
    <td>-</td>
  </tr>
</tbody>
</table>

<br>

## Financial Size Category (FSC)

<br>

The Financial Size Category is a measure of **Policyholder Surplus** which is calculated by subtracting the insurance company's liabilities from its assets. The greater the policyholder surplus, the better able the insurance company can withstand adverse economic conditions and remain solvent.

<br>

<table>
<thead>
  <tr>
    <th>Class</th>
    <th>Policyholder Surplus ($ Millions)</th>
  </tr>
</thead>
<tbody>
  <tr>
    <td>I</td>
    <td>Less than 1</td>
  </tr>
  <tr>
    <td>II</td>
    <td>1 to 2</td>
  </tr>
  <tr>
    <td>III</td>
    <td>2 to 5</td>
  </tr>
  <tr>
    <td>IV</td>
    <td>5 to 10</td>
  </tr>
  <tr>
    <td>V</td>
    <td>10 to 25</td>
  </tr>
  <tr>
    <td>VI</td>
    <td>25 to 50</td>
  </tr>
  <tr>
    <td>VII</td>
    <td>50 to 100</td>
  </tr>
  <tr>
    <td>VIII</td>
    <td>100 to 250</td>
  </tr>
  <tr>
    <td>IX</td>
    <td>250 to 500</td>
  </tr>
  <tr>
    <td>X</td>
    <td>500 to 750</td>
  </tr>
  <tr>
    <td>XI</td>
    <td>750 to 1,000</td>
  </tr>
  <tr>
    <td>XII</td>
    <td>1,000 to 1,250</td>
  </tr>
  <tr>
    <td>XIII</td>
    <td>1,250 to 1,500</td>
  </tr>
  <tr>
    <td>XIV</td>
    <td>1,500 to 2,000</td>
  </tr>
  <tr>
    <td>XV</td>
    <td>2,000 or greater</td>
  </tr>
</tbody>
</table>

<br>

## How to calculate Policyholder Surplus

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Assets - Liabilities = Policyholder Surplus

<br>

## What is Policyholder Surplus

<br>

Policy holder surplus is the liquidation value of an insurance company. If you were to sell all assets and repay all liabilities, the policyholder surplus is what would be left. In business, this is is otherwise known as **book value**.

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AM Best ratings assess the financial strength and size of insurance companies.

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AM Best Ratings | OfferMarket Real Estate Glossary

AM Best Ratings

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**Last updated:** April 15 , 2024

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![DSCR Loan Wisconsin - Milwaukee](https://cms.offermarket.us/uploads/DSCR_Loan_Wisconsin_Milwaukee_b11a5db278.jpg)

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We like Wisconsin. As rental property investors, we see good opportunities for buy and hold investors across several markets in Wisconsin. Wisconsin, with nearly 6 million residents, a stable population, and a strong economy, is often overlooked by real estate investors, especially institutional investors.

<br>

That's your opportunity and you can capitalize on it with DSCR loans for the purchase and refinance of 1 to 4 unit residential investment properties.

<br>

## DSCR Loans Wisconsin

<br>

Whether you're working on rental number 1 or rental number 100, DSCR loans are the fastest growing, most competitive, and easiest rental property financing product. Unlike banks that require months of painful underwriting, DSCR loans can be funded in well under a month with significantly less documentation. DSCR loans are perfect for rental property investors who don't want to deal with income verification -- you will never be asked for your W-2 or your tax return. Self-employed rental investors love DSCR loans for this reason.

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## Wisconsin DSCR Loan Interest Rates

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<div style="width:100%; overflow-x:scroll">
<iframe title="DSCR Loan Interest Rates Index (30 year fixed) chart"  width="600" height="371" style="" seamless frameborder="0" scrolling="no" src="https://docs.google.com/spreadsheets/d/e/2PACX-1vRJPw1fYWqj_5mdlNBrD5MLne_ApqpOXlNmkmNE_sZfPgsbn9pU0mWUenEO1x6WE9237S7jzaQE2Hig/pubchart?oid=262687025&amp;format=interactive"></iframe>
</div>

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*Source: [DSCR Loan Interest Rates Index](https://www.offermarket.us/blog/dscr-loan-interest-rates)*

<br>

## Wisconsin Single Family Rentals

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<div style="display: grid; grid-template-columns: repeat(1, minmax(0, 1fr)); overflow: auto; white-space: nowrap;">
<table>
        <tr>
            <th>City</th>
            <th>Population</th>
            <th>Median Home Price</th>
            <th>Median Rent</th>
        </tr>
        <tr>
            <td>Milwaukee</td>
            <td>590,000</td>
            <td>$185,000</td>
            <td>$1,500</td>
        </tr>
        <tr>
            <td>Madison</td>
            <td>270,000</td>
            <td>$360,000</td>
            <td>$2,750</td>
        </tr>
        <tr>
            <td>Green Bay</td>
            <td>108,000</td>
            <td>$230,000</td>
            <td>$2,000</td>
        </tr>
        <tr>
            <td>Kenosha</td>
            <td>100,000</td>
            <td>$225,000</td>
            <td>$1,750</td>
        </tr>
        <tr>
            <td>Racine</td>
            <td>78,000</td>
            <td>$170,000</td>
            <td>$1,400</td>
        </tr>
        <tr>
            <td>Appleton</td>
            <td>75,000</td>
            <td>$250,000</td>
            <td>$1,995</td>
        </tr>
        <tr>
            <td>Waukesha</td>
            <td>72,000</td>
            <td>$350,000</td>
            <td>$1,900</td>
        </tr>
        <tr>
            <td>Oshkosh</td>
            <td>67,000</td>
            <td>$210,000</td>
            <td>$1,200</td>
        </tr>
        <tr>
            <td>Eau Claire</td>
            <td>70,000</td>
            <td>$275,000</td>
            <td>$1,335</td>
        </tr>
        <tr>
            <td>Janesville</td>
            <td>66,000</td>
            <td>$240,000</td>
            <td>$1,100</td>
        </tr>
    </table>
</div>

<br>

## Landlord insurance for Wisconsin DSCR loans

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DSCR loans have straightforward insurance requirements that include dwelling coverage, general liability, and loss of rent. If your property is in a flood zone, then you'll need flood insurance too.

<br>

You can get an instant [landlord insurance](https://www.offermarket.us/insurance?ref=blog-dscr-loan-wisconsin) quote and save hundreds on your annual premium.

<br>

## Best DSCR lender Wisconsin

<br>

The best DSCR lenders operate on a national footprint and use a lowest-cost provider strategy. You can save thousands on fees and interest when you cut out expensive mortgage brokers and go straight to the capital source. OfferMarket is a leading national DSCR lender that will provide you with consistently competitive pricing so you can grow your rental property portfolio profitably.

<br>

But it's not just about saving money. It's also about saving time. You want to work with a DSCR lender that has the ability to provide you with instant quoting, streamlined online processing, while still delivering attentive client service. That is hard to find. Thankfully, we've found each other and we would love to be your DSCR lender.

<br>

## DSCR loan quote Wisconsin

<br>

You deserve the highest leverage, lowest fees and the best client service. Get an [instant DSCR loan quote](https://www.offermarket.us/loans?ref=blog-dscr-loan-wisconsin), it takes under a minute, there's no obligation and no credit pull.

<br>


DSCR Loan Wisconsin, your guide to rental property loans in the badger state.

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DSCR Loan Wisconsin

<br>

## Agents post for sale listings on OfferMarket for free! 🚀

<br>

Are you looking for websites to post your real estate listings for free? OfferMarket is a powerful, free, marketing platform used by a growing number of real estate agents and Realtors.

<br>

Whether you have an off-market pocket listing or an on-market MLS listing, you should be posting your listings for free on OfferMarket.

<br>

## OfferMarket for Real Estate Agents

<br>

## What is OfferMarket?

<br>

OfferMarket is a real estate marketplace where agents post for free. We are a real estate technology company headquartered in Baltimore, MD with targeted distribution to qualified real estate homebuyers and investors (fix and flip, rental property) throughout the United States.

<br>

## How does OfferMarket work for agents?

<br>

1. [Create your free listing](https://www.offermarket.us/sell)
2. Receive tour requests from verified buyers
3. Receive offers from verified buyers

<br>

## Why do real estate agents post free listings on OfferMarket?

<br>

The best real estate agents are the best marketers. Top performing real estate agents are constantly looking for ways to get their listings in front of qualified buyers. They're constantly building up their network of qualified buyer leads.

<br>

Here are the main reasons why real estate agents create free listings on our real estate marketplace:

<br>

1. Generate buyer awareness (reach more buyers) 
2. Connect with qualified buyers (build your buyers list, avoid buyer's agents)
3. Market off-market deals (pocket listings) off the MLS

<br>

## Is OfferMarket really free to create listings and collect buyer leads?

<br>

One of the most common phrases we hear from agents is "this sounds too good to be true, what's the catch?". There is no catch. You can create an unlimited number of listings and collect buyer leads entirely for free. Now what are you waiting for? Start listing!

<br>

Real estate agents can post free for sale listings on OfferMarket. The best real estate agents use OfferMarket's powerful marketing platform to post all of their listings.

Real estate agents post free for sale listings on OfferMarket

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OfferMarket - Real Estate Agents - MetaImage.jpg

Can real estate agents post free for sale listings on OfferMarket?

Grow your real estate investing business with the most competitive DSCR loan product. OfferMarket also provides DSCR rental loans, bridge loans, hard money, fix & flip, rehab, ground up construction loans.

Rental Loans

In this episode of the OfferMarket Podcast, Daniel and Martin share their origin story, the story of Frank, and the real estate wholesaling learnings that led to OfferMarket. Enjoy!

*Quote takes 1 minute, no credit pull

*1 quote from 40+ carriers

*New listings daily

OfferMarket Podcast, Episode 2: The Story of Frank, A crash course in wholesaling

* Takes 1-2 minutes, no credit pull

* Takes 1-2 minutes, no credit pull