Trusted by real estate investors nationwide for 38+ years. Qualify based on your property’s rental income — not your tax returns or W-2s.
Get Started Today
In Colorado, qualifying for a DSCR loan means showing rental income strong enough to handle the full monthly payment. Approval depends on the property’s cash flow — not your personal tax returns. When projected rent meets the required coverage ratio, you can apply online and move forward.
A DSCR loan in Colorado gives buyers a way to qualify based on how the property earns instead of how their personal income is documented. The Debt Service Coverage Ratio measures rental income against the complete housing payment — principal, interest, property taxes, and insurance. If rent clears the required threshold, the property qualifies.
Colorado’s housing market blends high demand, population growth, and tourism — three forces that keep rental performance strong from Denver to the mountain towns.
Average apartment rent in Denver, with higher pricing in Cherry Creek, LoDo, and Highlands. Supports strong DSCR coverage on most loan amounts.
Effective property tax rate well below most coastal markets. Lower tax burden means lower PITI, which improves your coverage ratio.
Up to 85% LTV financing available for qualified Colorado investors — meaning as little as 15% down on the right deal.
Colorado’s economic diversity supports rental stability. Aerospace, defense, renewable energy, and technology continue expanding across the Front Range. Tourism adds demand in the mountains — particularly during ski season and summer travel months. When investors model both steady and seasonal demand, they can better determine whether the ratio meets program guidelines.
From property evaluation to closing, the path is the same whether you’re buying a Denver duplex or an Aspen short-term rental.
Confirm whether it’ll be a long-term rental or a seasonal short-term rental — this changes how income is projected.
Pull lease comps for long-term properties or vacation rental projections for mountain markets like Breckenridge or Aspen.
Add principal, interest, taxes, and insurance. This is the number rent has to clear.
Compare projected rent to the full PITI payment. If the ratio meets program guidelines, you’re ready to apply.
The application takes about 12 minutes. No tax returns, W-2s, or employment letters required.
Send the smaller-than-usual document package to underwriting (full list below).
The appraiser verifies both the property’s value and its market rent — both factor into final approval.
Sign final docs and fund. Most Colorado DSCR loans close in 20 to 30 days from a complete file.
Ready to run the numbers on your Colorado deal?
Apply OnlineThe coverage ratio is the single most important number in a DSCR file. Here’s exactly how it’s calculated.
From Denver condos to ski-country chalets, DSCR works across Colorado’s investment landscape.
Single-family homes in suburban growth corridors — Aurora, Highlands Ranch, Parker, Castle Rock.
Condos in LoDo, RiNo, and Capitol Hill — strong tenant demand from tech, healthcare, and energy professionals.
Duplex, triplex, and quadplex properties — often the highest-yield DSCR play in Front Range markets.
Vacation rentals in Breckenridge, Aspen, Vail, Steamboat Springs, and Telluride — qualify on seasonal projections.
Properties near CU Boulder, CSU Fort Collins, and DU — consistent year-round demand from student populations.
Furnished mid-term rentals serving traveling nurses, contract workers, and corporate relocations.
The DSCR document list is shorter than a conventional loan because we don’t ask for tax returns, W-2s, or employment verification.
Driver’s license, passport, or state ID for each borrower on the loan.
To verify down payment funds and reserves. We don’t review the deposits — only the balances.
Signed contract for the Colorado property you’re buying. For refinances, the existing mortgage statement.
For occupied long-term rentals, the existing lease. For vacant or short-term properties, the appraiser pulls market rent comps.
Quote or binder for landlord/dwelling insurance. Required before closing — not at application.
If buying through an LLC: articles of organization, operating agreement, and EIN letter. Most DSCR loans allow LLC vesting.
Quick list of any other properties you own — addresses, mortgage balances, and rental income for each.
For mountain vacation rentals: AirDNA report or 12-month booking history showing seasonal income.
What we don’t ask for: tax returns, W-2s, pay stubs, employer verification, or personal income documentation. That’s the entire point of a DSCR loan.
Quick answers from a team that’s closed thousands of investor loans across the country.
Call 800-696-SAVE to talk through your Colorado deal with a licensed broker. No credit pull required.
Schedule a Free ConsultationWe assist investors evaluating Colorado rental properties and structure financing around projected cash flow. From mountain short-term rentals to Front Range long-term holdings, we match the program to the property — not the other way around.
Our team was recognized by WalletHub as one of the Best Mortgage Brokers in several cities, reflecting our focus on clear communication and investor-driven solutions.
You can read what our clients say, and when you’re ready, apply now or call 800-696-SAVE to review your Colorado investment strategy.
38+
38
24h
We close DSCR investor loans coast to coast. Click your state to see local market details and start an application.
Whether you’re buying your first Denver duplex or your fifteenth Aspen short-term rental, we’ll structure financing around the property’s cash flow. Pre-approval in 24 hours.
English 
Español