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UNITEDLENDING

Investment property loans · Brown County, WI

Hard money, fix and flip and DSCR loans in Green Bay, WI

Green Bay sits at the mouth of the Fox River, and its oldest neighborhoods lie close to downtown, from the Astor district on the southeast side to Oakland-Dousman in west Green Bay. Investors here buy older single-family houses to renovate for resale or to rent. The former Town of Preble, consolidated with the city in 1964, makes up another part of today's Green Bay, away from the historic districts by the river.

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Where investors buy

Neighborhoods investors look at in Green Bay

The oldest housing sits near the river: Astor holds homes from the 1830s to about 1920 in Greek Revival, Italianate, Queen Anne, Shingle and Prairie styles, and Oakland-Dousman has large homes on spacious lots built between 1862 and 1930.
AstorSoutheast side historic district of about 39 square blocks along the Fox River, with Victorian and early 20th-century homes built for the city's business and civic leaders.
Oakland-DousmanSmall west Green Bay district of 22 large homes on spacious lots, built from 1862 to 1930 as single-family houses.
BroadwayCommercial corridor with two historic districts of buildings from the 1870s to the 1940s and a Wednesday farmers' market from May to October.
DowntownThe old downtown, listed as a historic district in 2019 with 38 historic buildings including the Vic and Meyer theatres.

Loan programs

Loans for Green Bay real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Green Bay

30-year loans for Green Bay rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Green Bay

Buy and renovate in Green Bay with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Green Bay

Close quickly on a Green Bay property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Green Bay

Financing for new builds in Green Bay, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Green Bay

Financing for Green Bay apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Green Bay

Local rules and costs that change a deal's numbers or closing date in Green Bay and Brown County. Sources are listed at the bottom of the page.
  • Budget for Wisconsin's real estate transfer fee when you sell: the grantor pays 30 cents per $100 of value on most conveyances.
  • Don't count on the seller's lottery and gaming credit: it applies only to an owner's primary residence as of January 1, so factor it into the tax proration at closing.
  • Homes in Astor and Oakland-Dousman long predate 1978, so plan for federal lead-based paint disclosures at sale and lease and use an EPA- or state-certified renovation firm for work that disturbs paint.

Get your terms

Have a Green Bay property in mind?

Contact details first, then single-tap answers on the property, the amount and when you need to close. A loan officer phones you back with terms.
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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Green Bay: common questions

Do you offer hard money loans in Green Bay?

Yes. United Lending LLC offers private real estate financing for investors in Green Bay and the rest of Brown County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in Green Bay?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in Astor, Oakland-Dousman and Broadway, among other parts of Green Bay.

How much can I borrow for a Green Bay flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in Green Bay?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Green Bay or have a Wisconsin LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside Wisconsin, your loan officer will tell you what's needed before closing.

Wisconsin

More places we lend in Wisconsin

Sources (8)Checked November 6, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. Wikipedia: Green Bay, Wisconsin
  2. Wikipedia: Astor Historic District
  3. Wikipedia: Oakland-Dousman Historic District
  4. Wikipedia: National Register listings in Brown County, Wisconsin
  5. Wisconsin DOR: Real Estate Transfer Return overview (transfer fee)
  6. Wisconsin DOR: Lottery and Gaming Credit common questions
  7. EPA: Lead-Based Paint Disclosure Rule
  8. EPA: Renovation, Repair and Painting Program