What are DSCR loan rates in Colorado?

As of November 2025, DSCR loan rates in Colorado start in the mid-7% range for borrowers with 700+ credit and 25% down. Rates vary by LTV, DSCR ratio, and property type.

What's the minimum DSCR ratio to qualify in Colorado?

Most Colorado DSCR programs require a 1.0 ratio (rent ≥ PITI). FundNow offers programs down to 0.75 DSCR with compensating factors.

Can I get a DSCR loan in Colorado as an out-of-state investor?

Yes. We routinely fund out-of-state and foreign-national investors buying rental properties in Colorado. No state-of-residence requirement.

Does FundNow lend on short-term rentals in Colorado?

Yes. We offer dedicated DSCR programs for Airbnb and VRBO properties in Colorado, including projected STR income from AirDNA or similar data sources.

How fast can I close a DSCR loan in Colorado?

Typical close time in Colorado is 13–21 days from application, depending on appraisal and title turnaround.

Colorado (CO)

DSCR Loans in Colorado

Property-cash-flow mortgages for Colorado real estate investors. No tax returns, 80% LTV, close in 13 days.

Get a CO DSCR Quote Run DSCR Calculator

Why DSCR Loans Work in Colorado

Denver's infill rehab market and Colorado Springs' military-driven rental demand keep investor activity strong year-round.

Average Rent

$2,050/mo

Top Markets

Colorado Springs & Pueblo for cash flow; Denver for value-add.

Close Time

13–21 days statewide

Colorado DSCR Loan Program

Loan Amount
$100,000 – $5,000,000+
Max LTV
80% purchase · 80% cash-out refi
Minimum Credit
620 FICO
Minimum DSCR
1.0 (sub-1.0 with compensating factors)
Property Types
1–8 unit residential, condos, small multi-family, STR
Borrower Entity
Individual, LLC, LP, Trust
Income Documentation
None required
Rate Range
Mid-7% to low-9% (Nov 2025)

Cities We Fund in Colorado

Denver

Colorado Springs

Aurora

Fort Collins

Pueblo

Plus every other city, town, and county across Colorado. Statewide coverage.

Related Resources

DSCR Loan Program Overview →

Full program details, rates, and how DSCR loans work.

DSCR Loan Requirements →

Credit, DSCR ratio, down payment, and documentation.

DSCR vs Conventional →

Compare DSCR to traditional investment mortgages.

DSCR Calculator →

See if your Colorado property qualifies in 30 seconds.

DSCR Loans in Other States

Frequently Asked Questions

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