DSCR loans in Colorado.
Qualify on the property's rental income — not your tax returns. Close in an LLC. 20–25% down. Long-term and short-term rental friendly across Colorado.
Colorado is our home market. We close DSCR loans daily across the Western Slope mountain towns (Telluride, Vail, Steamboat, Crested Butte) and Front Range investor markets (Denver metro, Colorado Springs). Many CO mountain towns have STR caps or licensing — we know each one and structure your loan around it.
Important: Many CO mountain towns have STR caps (Telluride, Crested Butte, Estes Park). We pre-screen the address for licensing before you write an offer.
Top Colorado DSCR markets
Colorado rental markets by county
146 Colorado markets, grouped into 31 county hubs. Open a county for its city-by-city rent, payment and DSCR numbers.
More Colorado markets
DSCR at a glance in Colorado
- 20–25% down (15% on select shelves with 740+ FICO and 1.25+ DSCR)
- 660 minimum FICO typical · 620 with larger down on some shelves
- DSCR 1.0+ standard · 0.75 with a rate add-on
- 3–6 months PITIA reserves (6 months on STR)
- Close in an LLC, partnership, or corp
- No tax returns · no W-2s · no personal DTI calculated
DSCR calculator
Monthly rent ÷ monthly PITIA (principal + interest + taxes + insurance + association dues).
Colorado DSCR FAQs
Do you offer DSCR loans in Colorado?+
Yes. Tayton Capital originates DSCR investor loans across Colorado for both long-term rentals and short-term (Airbnb / VRBO) rentals where local zoning allows.
What's the minimum down payment for a DSCR loan in Colorado?+
20% is the standard minimum on LTR DSCR with a 1.0+ ratio. 25% is typical for STR or sub-1.0 DSCR ratios. Some shelves go to 15% with 740+ FICO and a strong ratio.
Can I close in an LLC in Colorado?+
Yes. Colorado DSCR closings routinely go into an LLC, partnership, or corp. A personal guaranty is usually still required.
What credit score do I need?+
Most Colorado DSCR shelves start at 660–680 FICO. Best pricing kicks in at 740+. We have programs that accept 620 with larger down.
How fast can a Colorado DSCR loan close?+
Purchases close in 21–30 days; refinances in 15–25 days. We coordinate appraisal, title, and insurance in-house to keep your timeline tight.
Get a Colorado DSCR quote
Send the property address and projected rent — we'll send back a rate, terms, and max loan amount within one business day.