Loan Type
DSCR
LOANS
Investment property financing based on rental income, not personal income. Perfect for real estate investors building their Colorado portfolio.
Investment property financing based on rental income, not personal income. Perfect for real estate investors building their Colorado portfolio.
DSCR (Debt Service Coverage Ratio) loans qualify you based on the property's rental income rather than your personal income. This is a game-changer for investors who may have complex tax returns or multiple properties.
No tax returns, W-2s, or pay stubs required. Qualification is based solely on the property's ability to generate rental income.
No limit on the number of financed investment properties. Scale your portfolio without hitting conventional loan limits.
Take title in your LLC or corporation for asset protection and tax benefits. No need to hold properties in your personal name.
Streamlined underwriting focused on the property, not your personal finances. Close deals faster than conventional investment loans.
Access equity from existing investment properties to fund your next purchase or other investments.
Many DSCR programs allow Airbnb and VRBO properties—perfect for Colorado's mountain vacation rental market.
DSCR loans focus on the property's income potential rather than your personal finances. Here's what you need to qualify.
Typically 1.0 or higher required. This means the rental income must cover the mortgage payment. Some programs allow 0.75 DSCR with larger down payments.
Typically 20-25% down required. Higher DSCR ratios may allow lower down payments, while lower DSCR ratios require more skin in the game.
660+ typically required, with better rates available at 700+. Credit score affects both rate and maximum loan-to-value.
Investment properties only—single-family, 2-4 units, condos, and townhomes. Primary residences not eligible.
3-6 months of payments in reserves typically required, depending on the number of properties owned.
DSCR loans focus on property cash flow, not your personal income. Perfect for investors looking to scale their real estate holdings in Colorado's growing market.
DSCR loans are designed for real estate investors who want income-based qualification.
Those with multiple rental properties looking to expand without hitting conventional loan limits.
Business owners with complex tax returns who want to skip personal income verification.
Investors buying Airbnb or VRBO properties in Colorado's vacation markets.
Those who want to hold investment properties in business entities for protection.
Looking for primary residence financing? Explore other options.
Low down payment options with flexible credit requirements, ideal for first-time buyers.
Traditional financing with competitive rates, flexible terms, and no mortgage insurance with 20% down.
Zero down payment financing exclusively for eligible veterans, active military, and qualified spouses.
Zero down financing for eligible rural and suburban areas with income requirements.
Financing for luxury homes exceeding $766,550 conforming loan limits.
Finance purchase and renovation costs in a single loan, perfect for fixer-uppers.
Finance land purchase and construction in one loan to build custom homes.
Alternative financing using bank statements, assets, or other non-traditional qualification methods.
Explore unique financing solutions.
Buy your next home before selling your current property with flexible short-term financing solutions.
Specialized financing for medical professionals with flexible debt ratios and no PMI options.
Build your dream home with one-time close construction-to-permanent financing solutions.
Finance both purchase and renovations with FHA 203k and Conventional HomeStyle programs.
Financing options for warrantable and non-warrantable condominiums in Colorado communities.
Alternative financing for self-employed borrowers using bank statements or asset-based qualification.
Investment property financing based on rental income without personal income verification.
Reduce your initial mortgage payments with 2-1 and 1-0 buydown programs for easier affordability.