DSCR Cash Out Refinance Lake Geneva Wisconsin

Introduction

Lake Geneva, Wisconsin is one of the Midwest’s most productive short-term rental investment markets — a resort city built around Geneva Lake’s 26 miles of pristine shoreline where Chicago and Milwaukee visitors book summer weekends and fall getaways months in advance. For real estate investors who hold property in Lake Geneva, that demand has done two powerful things simultaneously: driven rental income to levels that support strong DSCR ratios, and pushed property values high enough that most long-term holders are sitting on equity positions that deserve active management. A DSCR cash-out refinance is the most direct tool to unlock that equity and put it to work in the next deal.

DSCR financing qualifies investment property loans on the property’s rental income rather than the borrower’s personal financial profile. For Lake Geneva STR investors — many of whom are self-employed, hold properties in LLCs, or have income structures that complicate conventional lending — that qualification method is far more accessible and far more aligned with how resort-market investing actually works. Lendmire is a nationwide mortgage broker offering DSCR investor loan programs built specifically for investors operating in high-demand vacation and resort markets like Lake Geneva.

What Is a DSCR Loan

A DSCR loan is an investment property mortgage underwritten on the subject property’s rental income rather than the borrower’s personal financials. For the complete program overview, visit what is a DSCR loan.

DSCR stands for Debt Service Coverage Ratio. The formula divides the property’s monthly gross rent by its PITIA — the combined monthly obligation of Principal, Interest, Taxes, Insurance, and Association dues where applicable. A DSCR of 1.00 means gross rent exactly covers the debt payment. Above 1.00 means the property generates positive cash flow relative to its debt. Below 1.00 means rent falls short of the total payment, though some programs can still accommodate those scenarios with reduced LTV and stricter credit requirements.

For a DSCR cash-out refinance on a Lake Geneva STR property, there is one critical calculation step that differs from standard long-term rental underwriting: DSCR programs reduce gross STR rents by 20% before the qualifying ratio is calculated. This adjustment accounts for the vacancy and management cost inherent in short-term rental operations. Investors must model their Lake Geneva properties at the adjusted rent figure against the projected post-refinance PITIA before applying — a step Lendmire’s team will help model before any application is submitted.

DSCR Formula (STR): (Annual Gross STR Income ÷ 12) × 0.80 ÷ PITIA = Qualifying DSCR | ≥ 1.00 = standard qualification

Why Lake Geneva Excels for DSCR Cash-Out Investors

The investment case for Lake Geneva is built on scarcity. Geneva Lake’s shoreline is finite, the city’s zoning limits new lakefront development, and Chicago-area demand for Wisconsin lake getaways grows year after year as the metro’s population and wealth expand. That structural supply constraint has sustained appreciation at rates that consistently outperform both the Wisconsin statewide average and most comparable Midwest resort markets. Investors who entered Lake Geneva before 2020 are typically holding equity positions that represent decades’ worth of savings — and DSCR cash-out refinancing is the mechanism to activate that equity without a taxable sale.

The market’s year-round demand profile has strengthened considerably over the past decade. Summer remains peak season — Memorial Day through Labor Day delivers the highest nightly rates and near-100% occupancy for well-positioned STR properties — but fall foliage season, winter spa and romance weekends, and spring shoulder season have added meaningful revenue across the calendar. This expanding demand profile directly improves annual gross STR income, which in turn strengthens DSCR ratios and supports larger cash-out amounts at the 75% LTV threshold.

The employment anchor for Lake Geneva’s year-round rental market extends well beyond tourism. The city serves commuters to Walworth County’s commercial base, Kenosha’s manufacturing and logistics sectors, and the broader Chicagoland metro via the I-43 and Route 12 corridors. Grand Geneva Resort, Abbey Resort, and the city’s extensive hospitality sector employ several thousand residents directly. This year-round employment base sustains demand for long-term rentals in the Highway 50 corridor and surrounding residential neighborhoods that complement the city’s dominant STR economy.

Key Benefits of a DSCR Cash-Out Refinance in Lake Geneva

No personal income verification: Qualification is based entirely on the property’s rental income — whether long-term or short-term — with no W-2s, tax returns, pay stubs, or personal DTI calculation required
LLC and entity ownership: Hold and refinance your Lake Geneva STR in an LLC or other investment entity, subject to lender program eligibility, without disrupting qualification or requiring individual borrower status
Equity extraction without a sale: Access equity built through Lake Geneva’s exceptional appreciation without triggering a sale, capital gains exposure, or forfeiting the ongoing STR income from a peak-performing asset
Portfolio expansion capital: Redeploy cash-out proceeds as a down payment on additional Wisconsin or Midwest investment properties, compounding portfolio growth without external capital requirements
STR program accommodation: DSCR programs specifically accommodate short-term rental income with the 20% gross rent adjustment, making them far more appropriate than conventional programs for Lake Geneva’s STR-dominant investor base
Speed: Lendmire closes DSCR loans in as few as 15 days — essential in Lake Geneva’s competitive acquisition market where the best properties move before conventional underwriting timelines allow

Thinking about a rental property in Lake Geneva? Lendmire’s specialists work with investors across the country — no W-2s, no tax returns, just the property’s numbers. Call us at 828-256-2183 or apply online to see what you qualify for.

DSCR Loan Requirements

Lake Geneva investors planning a DSCR cash-out refinance should understand the verified program parameters that govern credit, LTV, DSCR ratio, loan sizing, and reserve requirements. STR-specific rules are called out below.

Credit Score Requirements

640 FICO minimum — DSCR ≥ 1.00 purchases up to $3,000,000 (purchase only at 640–659)
660 FICO minimum — required for most refinance and cash-out transactions
680 FICO minimum — interest-only loans on 1–4 unit properties
700 FICO minimum — first-time real estate investors
Sub-1.00 DSCR: 660 FICO minimum; program options narrow significantly below 680

LTV and Cash-Out Limits

Purchase: Up to 80% LTV (700+ FICO, DSCR ≥ 1.00, loans ≤ $1,500,000)
Cash-out refinance — 1-unit: Up to 75% LTV (700+ FICO, DSCR ≥ 1.00, loans ≤ $1,500,000)
Cash-out refinance — 2–4 unit and condos: Maximum 70% LTV
Rural properties: Maximum 75% LTV purchase / 70% LTV refinance

DSCR Ratio Rules for STR Properties

Standard minimum: DSCR ≥ 1.00 for full program access and maximum available LTV
STR income adjustment: Gross rents reduced 20% before DSCR calculation — Lake Geneva investors must model the adjusted rent figure against post-refinance PITIA before applying
Sub-1.00 DSCR: Available with restrictions — 660–700 FICO range, reduced LTV thresholds
Loans under $150,000: DSCR 1.25 minimum required

Eligible Loan Amounts and Property Types

1–4 unit residential: $100,000 minimum / $3,500,000 maximum
2–4 unit mixed-use: $400,000 minimum / $2,000,000 maximum
Eligible types: SFR (attached/detached), PUDs, 2–4 unit residential, condos (warrantable and non-warrantable), condotels, modular/pre-fab
Mixed-use: Commercial space must not exceed 49.99% of total building area; 2-acre maximum lot size

Loan Terms

30-year fixed and 40-year fixed
5/6 ARM, 7/6 ARM, 10/6 ARM — all indexed to 30-day SOFR
Interest-only available with a 10-year I/O period; 40-year term available combined with interest-only

Reserve Requirements

Standard: 2 months PITIA on the subject property
Loans > $1,500,000: 6 months PITIA required
Loans > $2,500,000: 12 months PITIA required
Cash-out proceeds may satisfy reserve requirements on 1–4 unit properties — not applicable to mixed-use

DSCR vs. Conventional Investment Loans

For Lake Geneva investors evaluating their cash-out refinance options, understanding how DSCR and conventional investment loans differ is essential — particularly given the STR-heavy nature of the market. The full comparison is at DSCR vs conventional investment loans. Here are the six contrasts that matter most:

Income documentation: Conventional Fannie Mae loans require W-2s, full tax returns including Schedule E, pay stubs, and a debt-to-income ratio capped near 45%; DSCR loans require no personal income documentation — only the property’s rental income — which is far more aligned with how Lake Geneva STR investors earn and report income
LLC ownership: Conventional guidelines require individual borrower status and prohibit LLC closings entirely; DSCR fully supports LLC, partnership, and other entity ownership structures, subject to lender program eligibility — the standard structure for most Lake Geneva STR operators
Seasoning: Conventional cash-out refinances require the existing mortgage to be at least 12 months old from note date to note date; DSCR requires only a 6-month minimum ownership period before cash-out
Financed property cap: Conventional limits borrowers to 10 financed properties, with 720 FICO required at 6 or more; DSCR has no cap on financed properties, program dependent — essential for investors building multi-property Lake Geneva and Midwest STR portfolios
Cash-out LTV: Both programs cap cash-out at 75% LTV for 1-unit investment properties — this specific parameter is equivalent between conventional and DSCR financing
Reserve requirements: Conventional requires 6 months PITIA on every financed property simultaneously; DSCR requires only 2 months PITIA on the subject property, making individual transactions far less capital-intensive

For Lake Geneva’s STR-dominant investor base — where LLC ownership is standard practice and income is generated seasonally rather than through W-2 employment — DSCR is the clear and correct financing path.

DSCR Cash-Out Strategies Across Lake Geneva’s Investment Zones

Geneva Lake Frontage: STR Income Density and Maximum Equity

Lakefront properties on Geneva Lake represent the apex of Wisconsin’s STR investment market. Peak-season nightly rates for well-positioned lakefront homes consistently deliver annual gross STR income that places these assets in an entirely different economic tier from most Wisconsin investment real estate. Even after the 20% DSCR gross rent reduction is applied, the adjusted monthly income often supports DSCR ratios well above 1.20 at 75% LTV cash-out loan amounts on properties that have appreciated substantially since purchase.

Investors who purchased lakefront Geneva Lake properties in the 2013–2019 window are frequently holding LTV positions below 45% on current appraised values. A DSCR cash-out refinance at 75% LTV can generate net proceeds after existing balance payoff that comfortably fund two or three additional investment property acquisitions elsewhere in the Midwest. These transactions are among the most impactful equity recycling events available to any Wisconsin investor operating today.

Wrigley Drive and Downtown Lake Geneva: Walk-to-Lake STR Premium

The downtown Lake Geneva core — centered on Wrigley Drive, Broad Street, and the Geneva Lake shorepath access points — commands a distinct STR premium because guests value the walkability to lake access, boutique retail, and dining that sets Lake Geneva apart from other Midwest resort towns. Properties within a few blocks of downtown can often command nightly rates 15–25% above comparable lake-area properties outside walking distance of the main retail corridor.

For DSCR cash-out refinancing purposes, the walkability premium translates directly into stronger DSCR ratios — higher adjusted gross rents (post-20% reduction) provide more cushion against the higher PITIA that comes with a significant cash-out at 75% LTV. Investors who purchased downtown-proximate Lake Geneva properties when values were lower have benefited from both the income premium and the appreciation driver simultaneously, creating equity positions that refinancing can now productively activate.

Williams Bay and Fontana: Mid-Tier Lake Access at Productive DSCR Math

Williams Bay on Geneva Lake’s northern shore and Fontana-on-Geneva-Lake to the west offer lake-access investment at price points below the main Lake Geneva lakefront tier. STR demand in these communities is strong — guests book Williams Bay and Fontana specifically for the lake access and quieter atmosphere relative to the busier Lake Geneva downtown corridor. Nightly rates are lower than lakefront Lake Geneva but still well above comparable inland Wisconsin properties, supporting productive DSCR ratios at mid-tier values.

The DSCR cash-out math in Williams Bay and Fontana often works most favorably for investors who purchased during the 2015–2020 window. Lower acquisition prices relative to current appraised values mean proportionally larger equity positions, and the lake-area STR income — even after the 20% adjustment — supports DSCR ratios above 1.00 at 75% LTV for most single-family rental properties in this zone. Net cash-out proceeds after existing balance payoff frequently exceed $100,000 in these transactions.

Elkhorn and Delavan: Value-Tier Lake-Adjacent Investment

Elkhorn — the Walworth County seat just a few miles north of Lake Geneva — and Delavan to the north offer value-tier lake-adjacent investment at price points significantly below Geneva Lake-area properties. Delavan Lake, just north of town, creates its own STR demand that is independent of but complementary to the main Lake Geneva market. Investors who hold properties in Elkhorn or Delavan as part of a broader Lake Geneva investment strategy often find productive DSCR cash-out refinancing opportunities at 75% LTV with favorable qualifying ratios.

From an equity recycling perspective, Elkhorn and Delavan properties acquired in the 2016–2021 window have appreciated meaningfully alongside the broader Walworth County market, even if at rates below the lakefront Lake Geneva tier. Cash-out refinancing these value-tier holdings — and redeploying proceeds toward higher-yielding Lake Geneva STR acquisitions — is a strategic portfolio optimization move that DSCR financing makes straightforward.

Highway 50 Corridor: Year-Round Workforce Rental Anchors

The Highway 50 corridor running through Lake Geneva connects a year-round workforce population employed in the city’s extensive hospitality sector. Grand Geneva Resort, Abbey Resort, and dozens of restaurants, retail operations, and service businesses employ thousands of residents who rent long-term in the Highway 50 zone and surrounding residential neighborhoods. These long-term rental properties deliver consistent monthly income without the seasonal volatility of pure STR assets, and their DSCR calculations are straightforward — no 20% STR adjustment required.

Investors who hold Highway 50 corridor long-term rentals alongside their STR portfolio use DSCR cash-out refinancing to extract equity from the steadiest assets first, using those proceeds to fund improvements or acquisitions in the higher-yielding STR zones. This hybrid portfolio approach — workforce rental anchors providing cash-flow stability with STR assets providing income upside — is well-suited to DSCR financing’s flexibility across both property and income types.

All-Cash Acquisitions and the Delayed Financing Exception

In Lake Geneva’s competitive acquisition market, all-cash offers frequently win contested situations — particularly for well-located lakefront and downtown-adjacent properties that attract multiple bids. Investors who purchase with cash and need to recover that capital quickly can use the DSCR delayed financing exception to execute a cash-out refinance immediately after closing, without waiting for the standard 6-month seasoning period.

The delayed financing exception requires that the original purchase was arm’s length, properly documented, and closed with clean title and no seller financing. When those conditions are met, investors can refinance immediately, recovering purchase capital for rapid reinvestment in the next Lake Geneva opportunity. Combined with DSCR’s 6-month seasoning advantage over conventional’s 12-month requirement, this exception gives Lake Geneva’s most active investors a significant speed advantage in building their portfolios.

Short-Term Rental and Airbnb Applications in Lake Geneva

Lake Geneva is one of the Midwest’s strongest short-term rental markets, and DSCR financing is specifically designed to accommodate STR income in investment property underwriting. Investors should review DSCR loans for Airbnb and short-term rentals for the complete program rules governing STR income calculation, documentation requirements, and how to structure transactions for maximum qualification strength in a resort market.

20% gross rent reduction: DSCR programs apply a 20% reduction to gross STR income before calculating the qualifying DSCR ratio. Investors should take annual gross STR income, divide by 12 to get a monthly figure, then multiply by 0.80 to produce the qualifying gross rent. Model this adjusted figure against the projected post-refinance PITIA to confirm the DSCR qualifies at the proposed loan amount before submitting any application
STR documentation: Lake Geneva investors should have platform-reported annual STR income documented through Airbnb host reports, VRBO earnings statements, or professional property management records. DSCR underwriters evaluate annualized income history to establish the qualifying monthly gross rent for the DSCR calculation
LLC-structured STR refinancing: DSCR programs fully support Lake Geneva STR properties held in LLCs, subject to lender program eligibility, allowing investors to operate, manage, and cash-out refinance their short-term rental holdings within the LLC structure standard in the STR industry
Hybrid long-term and STR income: Some Lake Geneva investors maintain a long-term lease from November through April and convert to short-term rental pricing from May through October. DSCR underwriting can accommodate documented income from both rental approaches, and Lendmire’s team understands how to structure the income presentation for mixed rental history
STR cash-out proceeds for property improvements: Deploying cash-out proceeds to upgrade STR amenities — adding a hot tub, renovating a dock, updating kitchen and bathrooms, or improving outdoor living spaces — can directly increase annual gross STR income, strengthening DSCR ratios on future refinances and compounding the return on each equity extraction event

Example DSCR Scenario: Lake Geneva Lake-View Cottage STR Cash-Out Refinance

Here is a representative DSCR cash-out refinance scenario for a Lake Geneva lake-view cottage operating as a short-term rental:

Property type: Single-family lake-view cottage (3 bed / 2 bath), short-term rental, Williams Bay area
Estimated current value: $640,000
Existing loan balance: $240,000
Cash-out refinance at 75% LTV: $480,000 new loan amount
Net cash-out after payoff of existing balance: approximately $240,000
Annual gross STR income: $72,000 (annualized from prior 12 months)
Monthly gross STR rent (annualized ÷ 12): $6,000
DSCR-adjusted monthly STR rent (20% reduction applied): $4,800
Estimated PITIA on new loan: $3,850
DSCR calculation: $4,800 / $3,850 = 1.25 DSCR

At 1.25 DSCR — calculated on the STR-adjusted gross rent per program requirements — this Lake Geneva lake-view cottage qualifies comfortably under standard program guidelines. No income documentation is required — the property’s STR income is the sole qualification basis. LLC ownership is welcome throughout the process, subject to lender program eligibility. The approximately $240,000 in net cash-out proceeds can fund a full down payment on additional STR acquisitions in the Lake Geneva area or elsewhere in the Midwest.

This is exactly how many investors scale using DSCR loans in Lake Geneva.

Ready to run the numbers on your next Lake Geneva property? Lendmire closes DSCR loans in as few as 15 days — no income docs, no W-2s, and LLC ownership is welcome (subject to lender program eligibility). Reach out today at 828-256-2183 and let’s get started.

DSCR Refinance Options for Lake Geneva Investors

Lake Geneva investors have multiple well-defined refinancing paths depending on portfolio objectives. Reviewing cash-out refinance options for investment properties alongside the full menu of investment property refinance options helps investors evaluate cash-out extraction, rate-and-term restructuring, and the delayed financing exception for all-cash purchases.

The cash-out refinance is the primary equity tool for Lake Geneva’s active STR portfolio builders. By refinancing at 75% LTV for 1-unit STR properties — using the DSCR-adjusted gross rent for qualification — investors release equity accumulated through Geneva Lake’s exceptional appreciation. That capital, redeployed immediately into the next acquisition, extends the portfolio without external funding at any stage. The math works best for properties purchased in the 2013–2020 window, when appraised values were significantly lower than they are today.

The rate-and-term refinance serves investors whose goal is payment optimization rather than capital extraction. Investors who originally financed Lake Geneva properties with DSCR ARM products — 5/6 or 7/6 ARMs indexed to the 30-day SOFR rate — can lock into 30-year or 40-year fixed structures as adjustment dates approach, creating payment certainty across a multi-property STR portfolio.

DSCR’s 6-month seasoning advantage over conventional’s 12-month requirement is particularly valuable in Lake Geneva’s fast-moving market. Investors who purchase, set up STR operations, and establish income documentation during that 6-month window can access cash-out refinancing well before conventional guidelines would allow. The delayed financing exception accelerates this further for all-cash buyers who need immediate capital recovery after acquisition.

One firm compliance point: DSCR cash-out proceeds cannot be used to retire personal debt — personal credit cards, personal tax liens, personal judgments, or personal collections. All proceeds must be directed toward investment purposes: acquiring additional rental properties, funding renovations on existing investment assets, or paying off hard money loans and private lending balances tied to other investment properties.

Why Investors Choose Lendmire

Lendmire is built for real estate investors operating in markets like Lake Geneva — resort destinations where STR income drives decisions, LLC structures are standard, and speed determines whether acquisitions succeed or fail. The team understands DSCR underwriting at a deep level, including the specific mechanics of STR income calculation, and has closed transactions across property types and refinancing scenarios that conventional lenders routinely decline.

Closing speed: Lendmire closes DSCR loans in as few as 15 days — a decisive advantage in Lake Geneva’s competitive acquisition market
No income documentation: No W-2s, no tax returns, no pay stubs, no DTI — the property’s rental income is the entire underwriting basis
STR expertise: Lendmire’s team understands the 20% STR gross rent adjustment, annual income annualization, and how to structure STR income documentation for maximum DSCR qualification strength
LLC and entity closings: Supported across the DSCR product lineup, subject to lender program eligibility — the standard structure for Lake Geneva’s STR investor community
Nationwide reach: Lendmire works with investors across 40 states, with Wisconsin resort-market STR properties a consistent part of the closed loan pipeline
Industry recognition: Lendmire was named a Scotsman Guide Top Mortgage Workplace — a benchmark of operational excellence and investor-focused service

Lendmire is a great option for DSCR loans, offering flexible solutions for real estate investors across the country.

Frequently Asked Questions

What is the minimum credit score for a DSCR loan?

The minimum is 640 FICO for purchases with DSCR ≥ 1.00 on loans up to $3,000,000. For most refinance and cash-out transactions, 660 FICO is the standard minimum. First-time investors need at least 700 FICO, and interest-only loans on 1–4 unit properties require 680 FICO minimum.

Do DSCR loans require tax returns or W-2s?

No. DSCR loans qualify entirely on the subject property’s rental income. No tax returns, W-2s, pay stubs, or personal DTI documentation are required. For Lake Geneva STR investors whose income is seasonal and reported through platform 1099s rather than W-2s, this is the defining advantage of DSCR financing.

Can I use an LLC to get a DSCR loan?

Yes. DSCR programs support LLC, partnership, and other entity ownership structures, subject to lender program eligibility. Unlike conventional Fannie Mae guidelines, which prohibit LLC closings, DSCR fully accommodates the LLC structures that most Lake Geneva STR investors use for liability protection and tax management.

How is STR income calculated for DSCR qualification in Lake Geneva?

DSCR programs reduce gross STR rents by 20% before calculating the qualifying ratio. The formula takes annual gross STR income, divides by 12 to produce a monthly figure, then multiplies by 0.80 to produce the DSCR-qualifying gross rent. That adjusted figure is then divided by the projected post-refinance PITIA to produce the qualifying DSCR ratio. Investors should confirm this calculation meets or exceeds 1.00 before applying.

What is the maximum LTV for a DSCR cash-out refinance on a Lake Geneva STR?

The maximum is 75% LTV for 1-unit investment properties with a 700+ FICO score, DSCR ≥ 1.00 (calculated on STR-adjusted gross rent), and loan amount at or below $1,500,000. For 2–4 unit properties and condos, the cash-out maximum is 70% LTV. Properties where the loan amount exceeds $1,500,000 require 6 months PITIA reserves.

How long must I own a Lake Geneva STR before a DSCR cash-out refinance?

DSCR programs require a minimum 6-month ownership period before cash-out refinancing — half the 12-month requirement under conventional Fannie Mae guidelines. The delayed financing exception allows investors who purchased with all cash to bypass this seasoning window entirely, provided the purchase was arm’s length, properly documented, and closed with clean title.

Get Started

Lake Geneva is one of the Midwest’s most compelling STR investment markets — Geneva Lake scarcity, Chicago-area visitor demand, peak-season income density, and a decade-plus appreciation run that has built substantial equity across every tier of the market. If you own a short-term rental property here and are ready to extract that equity through a DSCR cash-out refinance — without income documentation, without W-2s, and with LLC ownership fully supported — Lendmire is built for exactly this type of transaction.

Lendmire’s team understands STR income structures, the 20% DSCR adjustment, and how to structure Lake Geneva transactions for maximum qualification strength and minimum friction. To explore DSCR loan options and start the conversation, reach out to Lendmire today.

Whether you’re buying your first rental or your fifteenth, our team can move fast and get it done right. Don’t wait on a deal — call Lendmire now at 828-256-2183.

The right DSCR lender makes the difference between closing on time and losing the deal. Make the call today.

Disclaimer

For informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. All property values, rental rates, and market data referenced are approximate and based on publicly available information as of the date of publication. Lendmire is a licensed Mortgage Broker, NMLS# 2371349, Equal Housing Opportunity.

Reviewed By

Last reviewed: May 18, 2026

Brandon Miller

Founder & CEO, Mortgage Loan Originator, Lendmire LLC

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Lendmire LLC · Firm NMLS# 2371349 · Verify firm licensure

Disclosures. The information presented in this article is general market commentary, not financial, legal, or tax advice. Lendmire is a mortgage brokerage (NMLS# 2371349) — not a direct lender or depository institution — and loan placement is subject to lender underwriting. Nothing in this content represents a commitment to lend. Loan terms, pricing, and program availability vary based on borrower qualifications, property characteristics, and state of subject property, and are subject to change at any time. Lendmire complies with Equal Housing Opportunity requirements. Consumer access: nmlsconsumeraccess.org.