DSCR Loans in Colorado — Qualify on the Rent, Not Your Tax Returns.
OneDSCR finances Colorado rental property on the deal's cash flow — no personal tax returns, W-2s, or traditional DTI underwriting. Buy, refinance, or pull cash out statewide, and close in an LLC.
- Statewide coverage. Denver metro, Colorado Springs, Fort Collins, Boulder, the Western Slope, and beyond.
- Up to 80% LTV. On purchases and rate-and-term refinances, 75% cash-out.
- Low property taxes can help the ratio. Colorado's effective rates are among the lowest in the country.
- Close in an LLC. Finance the way you actually hold real estate.
Estimate only, based on principal, interest, taxes, insurance, and HOA. Final terms subject to underwriting.
How DSCR loans work for Colorado investors
A DSCR (Debt Service Coverage Ratio) loan qualifies a Colorado rental on the property's income versus its full monthly payment — not on your personal tax returns or employment. Divide the monthly rent by the total payment (principal, interest, taxes, insurance, and any HOA); a ratio of 1.0 means the rent exactly covers the payment, and higher ratios unlock better leverage and pricing. Colorado's low effective property taxes can make that math friendlier than in high-tax states — but Front Range and mountain price points run high and rents can lag values, so it's worth running the ratio market by market.
Colorado investor markets we finance
We lend statewide — here are the Colorado markets investors ask about most.
What Colorado investors should know about DSCR loans
Colorado has a distinct mix of low property taxes and strict local rental rules. Three things shape how a deal underwrites.
Among the nation's lowest property taxes
Colorado taxes only a small percentage of a property's actual value, and effective rates are among the lowest in the country. A lighter tax load inside the payment can make the DSCR easier to reach than in high-tax states.
Short-term rentals are tightly regulated
Colorado's STR rules are strict and local. Denver generally limits short-term rentals to a host's primary residence, and mountain-resort counties cap or license them, so STR eligibility hinges on the specific jurisdiction.
Higher, varied price points
From Front Range metros to expensive mountain markets, Colorado prices run above the national median and rents can lag values — so DSCR sizing and the rent-to-payment ratio deserve a close look per market.
Colorado DSCR loan options
Purchase
Buy your next Colorado rental on cash-flow underwriting — up to 80% LTV, no income docs, close in an LLC.
Analyze My PurchaseCash-Out Refinance
Turn equity in a Colorado rental you own — up to 75% LTV — into capital for the next deal, with no income review.
Estimate My Cash OutRate & Term Refi
Move into better terms or a fixed 30-year without touching your equity or verifying personal income.
Check My SavingsColorado DSCR loan snapshot
Typical program parameters — final structure depends on credit, property, and the full file.
What makes a Colorado deal different
Low taxes help the ratio. Colorado's residential assessment rate is set by the legislature and applies local mill levies, producing some of the lowest effective property taxes in the country — a lighter load inside the payment. We still underwrite taxes on your purchase price.
Short-term rentals are strict and local. Denver generally allows STRs only at a primary residence, and resort counties cap or license them. We confirm the local rules for the specific address before assuming STR income.
Watch for local transfer taxes. Colorado's statewide documentary fee is tiny — $0.01 per $100 of value — but a handful of mountain towns (such as Aspen, Breckenridge, Vail, Telluride, and Crested Butte) levy their own real-estate transfer taxes grandfathered before 1992. Budget for those in resort markets.
Recently funded in Colorado
- 1.06 DSCR at 75% LTV
- Closed in an LLC
- Funded in 21 days
- 70% LTV cash-out
- Stabilized single-family rental
- Funded the next Aurora purchase
- 1.12 DSCR on a duplex
- Both units leased at closing
- Closed in an LLC
- Lowered rate on a 30-year fixed
- 1.28 DSCR at closing
- Funded in 18 days
- Qualified on projected income
- Local STR permit in place
- Mountain-resort market
Ready to Move on Your Colorado Deal?
Get a real DSCR read on your scenario — no credit pull, no income docs, no obligation.
View My Colorado Loan OptionsColorado DSCR loan FAQ
Straightforward answers to the most common questions about financing Colorado rentals with DSCR loans.
No. A DSCR loan qualifies on the property's rental income versus its payment, so there are no personal tax returns, W-2s, or debt-to-income requirements. You can also vest title in an LLC or in your own name. Your credit and reserves still matter, but the property's cash flow does the qualifying.
Favorably, relative to most states. Colorado taxes only a small percentage of a property's market value and applies local mill levies, so effective property-tax rates are among the lowest in the country. Because taxes are part of your monthly payment, a lighter tax load can make the DSCR easier to reach — we still estimate taxes from your purchase price rather than the seller's bill.
Sometimes — but Colorado's short-term-rental rules are strict and set locally. Denver generally permits STRs only at a host's primary residence, and mountain-resort counties often cap or license them. Confirm the local zoning, permit, and lodging-tax requirements for the specific address before assuming STR income, and check with us on how that income would be calculated.
Colorado spans affordable Pueblo and Grand Junction properties up through high-cost Denver, Boulder, and mountain-resort markets, so loan sizes vary widely. Our DSCR loans run from $75K up to $5M, covering entry-level single-family rentals through higher-priced Front Range and resort properties.
Plan on roughly 20 to 25 percent down. Purchases and rate-and-term refinances go up to 80% LTV and cash-out refinances up to 75%, with the exact leverage tied to credit, DSCR, and property type.
DSCR loans for Colorado rental investors
OneDSCR helps real estate investors finance rental properties throughout Colorado using the property's rental income as the primary qualification metric. Whether you're buying a single-family rental in Colorado Springs, refinancing a duplex in Fort Collins, or adding a property in the Denver metro, the loan is built around the property's cash flow rather than traditional employment income.
Ready to finance your next Colorado rental?
Get a real DSCR read on your scenario — no credit pull, no income docs.
This is not an offer to lend or extend credit. All loan applications are subject to underwriting review, credit approval, and verification of information. Not all applicants will qualify. Loan terms, rates, LTVs, and availability are subject to change without notice and may vary based on creditworthiness, property type, market conditions, and jurisdiction. DSCR figures shown by the calculator are estimates only. OneDSCR originates loans for investment properties only.
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