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Investor Loans · 173 City Guides

Investment Property & DSCR Loans — Colorado & Florida City Guides 2026

Rent estimates, DSCR ratios, cap rates, and down payment math for every Colorado and Florida market we serve.

A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property's rental income rather than your personal W-2s, tax returns, or DTI. If the rent covers the mortgage payment, you can typically qualify — with 20% down, close in an LLC, and no cap on the number of properties you can own.

Tayton Capital originates DSCR, conventional investor, and portfolio investment loans across Colorado and Florida. Below are 173 city-level investor guides with modeled rent estimates, DSCR ratios, cap rates, and down payment math — pick your target market to see the numbers.

Colorado Investment Markets (75)

Alamosa

Alamosa County

Est. Monthly Rent: $2,800
DSCR Ratio: 1.28x
Cap Rate: 6.3%

See investor guide

Almont

Gunnison County

Est. Monthly Rent: $3,600
DSCR Ratio: 1.17x
Cap Rate: 5.8%

See investor guide

Arvada

Jefferson County

Est. Monthly Rent: $3,800
DSCR Ratio: 1.06x
Cap Rate: 5.2%

See investor guide

Aspen

Pitkin County

Est. Monthly Rent: $10,200
Est. STR Gross: $24,500
DSCR Ratio: 1.21x
Cap Rate: 2.5%

See investor guide

Aurora

Arapahoe County

Est. Monthly Rent: $3,300
DSCR Ratio: 1.17x
Cap Rate: 5.8%

See investor guide

Avon

Eagle County

Est. Monthly Rent: $4,400
Est. STR Gross: $3,800
DSCR Ratio: 0.7x
Cap Rate: 3.5%

See investor guide

Bailey

Park County

Est. Monthly Rent: $3,350
DSCR Ratio: 1.05x
Cap Rate: 5.00%

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Basalt

Pitkin County

Est. Monthly Rent: $2,950
Est. STR Gross: $6,350
DSCR Ratio: 0.71x
Cap Rate: 2.30%

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Bayfield

La Plata County

Est. Monthly Rent: $3,600
DSCR Ratio: 1.17x
Cap Rate: 5.8%

See investor guide

Beaver Creek

Eagle County

Est. Monthly Rent: $11,200
Est. STR Gross: $10,200
DSCR Ratio: 0.5x
Cap Rate: 2.5%

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Berthoud

Larimer County

Est. Monthly Rent: $2,925
DSCR Ratio: 0.92x
Cap Rate: 4.40%

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Black Hawk

Gilpin County

Est. Monthly Rent: $2,400
DSCR Ratio: 0.77x
Cap Rate: 3.66%

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Boulder

Boulder County

Est. Monthly Rent: $5,200
DSCR Ratio: 0.92x
Cap Rate: 4.5%

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Breckenridge

Summit County

Est. Monthly Rent: $5,800
Est. STR Gross: $8,800
DSCR Ratio: 1.07x
Cap Rate: 3.5%

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Brighton

Adams County

Est. Monthly Rent: $2,775
DSCR Ratio: 0.94x
Cap Rate: 4.47%

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Broomfield

Broomfield County

Est. Monthly Rent: $4,000
DSCR Ratio: 1.06x
Cap Rate: 5.2%

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Buena Vista

Chaffee County

Est. Monthly Rent: $3,800
DSCR Ratio: 1.08x
Cap Rate: 5.3%

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Canon City

Fremont County

Est. Monthly Rent: $2,700
DSCR Ratio: 1.31x
Cap Rate: 6.5%

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Carbondale

Garfield County

Est. Monthly Rent: $4,700
DSCR Ratio: 0.71x
Cap Rate: 3.5%

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Castle Rock

Douglas County

Est. Monthly Rent: $3,900
DSCR Ratio: 0.92x
Cap Rate: 4.6%

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Cedaredge

Delta County

Est. Monthly Rent: $2,900
DSCR Ratio: 1.29x
Cap Rate: 6.4%

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Centennial

Arapahoe County

Est. Monthly Rent: $4,200
DSCR Ratio: 1.08x
Cap Rate: 5.3%

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Center

Saguache County

Est. Monthly Rent: $2,200
DSCR Ratio: 1.42x
Cap Rate: 7.0%

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Collbran

Mesa County

Est. Monthly Rent: $2,600
DSCR Ratio: 1.44x
Cap Rate: 7.1%

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Colorado Springs

El Paso County

Est. Monthly Rent: $3,500
DSCR Ratio: 1.19x
Cap Rate: 5.9%

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Commerce City

Adams County

Est. Monthly Rent: $3,100
DSCR Ratio: 1.18x
Cap Rate: 5.8%

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Conifer

Jefferson County

Est. Monthly Rent: $3,425
DSCR Ratio: 0.88x
Cap Rate: 4.19%

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Copper Mountain

Summit County

Est. Monthly Rent: $2,725
Est. STR Gross: $5,850
DSCR Ratio: 0.73x
Cap Rate: 2.37%

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Cortez

Montezuma County

Est. Monthly Rent: $2,800
DSCR Ratio: 1.28x
Cap Rate: 6.3%

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Craig

Moffat County

Est. Monthly Rent: $2,400
DSCR Ratio: 1.43x
Cap Rate: 7.1%

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Crawford

Delta County

Est. Monthly Rent: $2,600
DSCR Ratio: 1.44x
Cap Rate: 7.1%

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Crested Butte

Gunnison County

Est. Monthly Rent: $6,500
Est. STR Gross: $6,600
DSCR Ratio: 0.72x
Cap Rate: 3.5%

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Cripple Creek

Teller County

Est. Monthly Rent: $2,600
DSCR Ratio: 1.44x
Cap Rate: 7.1%

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Del Norte

Rio Grande County

Est. Monthly Rent: $2,400
DSCR Ratio: 1.43x
Cap Rate: 7.1%

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Delta

Delta County

Est. Monthly Rent: $3,000
DSCR Ratio: 1.3x
Cap Rate: 6.4%

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Denver

Denver County

Est. Monthly Rent: $3,900
DSCR Ratio: 1.07x
Cap Rate: 5.3%

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Dillon

Summit County

Est. Monthly Rent: $4,600
Est. STR Gross: $3,400
DSCR Ratio: 0.92x
Cap Rate: 4.6%

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Dolores

Montezuma County

Est. Monthly Rent: $3,200
DSCR Ratio: 1.31x
Cap Rate: 6.5%

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Durango

La Plata County

Est. Monthly Rent: $4,200
Est. STR Gross: $3,200
DSCR Ratio: 0.91x
Cap Rate: 4.5%

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Eagle

Eagle County

Est. Monthly Rent: $4,000
DSCR Ratio: 0.92x
Cap Rate: 4.6%

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Eaton

Weld County

Est. Monthly Rent: $2,900
DSCR Ratio: 1.09x
Cap Rate: 5.20%

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Edwards

Eagle County

Est. Monthly Rent: $5,100
Est. STR Gross: $3,500
DSCR Ratio: 0.92x
Cap Rate: 4.5%

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Elizabeth

Elbert County

Est. Monthly Rent: $3,975
DSCR Ratio: 1.00x
Cap Rate: 4.77%

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Englewood

Arapahoe County

Est. Monthly Rent: $3,700
DSCR Ratio: 1.18x
Cap Rate: 5.8%

See investor guide

Erie

Boulder County

Est. Monthly Rent: $3,650
DSCR Ratio: 0.87x
Cap Rate: 4.15%

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Estes Park

Larimer County

Est. Monthly Rent: $4,000
Est. STR Gross: $3,500
DSCR Ratio: 0.91x
Cap Rate: 4.5%

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Evans

Weld County

Est. Monthly Rent: $2,200
DSCR Ratio: 0.99x
Cap Rate: 4.74%

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Evergreen

Jefferson County

Est. Monthly Rent: $4,100
DSCR Ratio: 0.84x
Cap Rate: 4.00%

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Fairplay

Park County

Est. Monthly Rent: $2,225
DSCR Ratio: 0.78x
Cap Rate: 3.75%

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Firestone

Weld County

Est. Monthly Rent: $2,900
DSCR Ratio: 0.93x
Cap Rate: 4.42%

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Florence

Fremont County

Est. Monthly Rent: $2,700
DSCR Ratio: 1.44x
Cap Rate: 7.1%

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Fort Collins

Larimer County

Est. Monthly Rent: $3,800
DSCR Ratio: 1.08x
Cap Rate: 5.3%

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Fort Morgan

Morgan County

Est. Monthly Rent: $1,500
DSCR Ratio: 0.88x
Cap Rate: 4.21%

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Fountain

El Paso County

Est. Monthly Rent: $2,325
DSCR Ratio: 0.98x
Cap Rate: 4.70%

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Fraser

Grand County

Est. Monthly Rent: $4,200
Est. STR Gross: $3,200
DSCR Ratio: 1.06x
Cap Rate: 5.2%

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Frederick

Weld County

Est. Monthly Rent: $2,900
DSCR Ratio: 0.92x
Cap Rate: 4.39%

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Frisco

Summit County

Est. Monthly Rent: $5,200
Est. STR Gross: $5,500
DSCR Ratio: 0.97x
Cap Rate: 4.5%

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Fruita

Mesa County

Est. Monthly Rent: $3,500
DSCR Ratio: 1.19x
Cap Rate: 5.9%

See investor guide

Glenwood Springs

Garfield County

Est. Monthly Rent: $4,300
DSCR Ratio: 0.91x
Cap Rate: 4.5%

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Golden

Jefferson County

Est. Monthly Rent: $4,500
DSCR Ratio: 0.92x
Cap Rate: 4.5%

See investor guide

Gould

Jackson County

Est. Monthly Rent: $2,600
DSCR Ratio: 1.44x
Cap Rate: 7.1%

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Granby

Grand County

Est. Monthly Rent: $4,000
Est. STR Gross: $2,800
DSCR Ratio: 1.08x
Cap Rate: 5.3%

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Grand Junction

Mesa County

Est. Monthly Rent: $3,200
DSCR Ratio: 1.19x
Cap Rate: 5.9%

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Grand Lake

Grand County

Est. Monthly Rent: $4,000
Est. STR Gross: $3,100
DSCR Ratio: 0.91x
Cap Rate: 4.5%

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Greeley

Weld County

Est. Monthly Rent: $3,100
DSCR Ratio: 1.18x
Cap Rate: 5.8%

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Gunnison

Gunnison County

Est. Monthly Rent: $3,800
Est. STR Gross: $2,400
DSCR Ratio: 1.06x
Cap Rate: 5.2%

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Gypsum

Eagle County

Est. Monthly Rent: $3,700
DSCR Ratio: 1.07x
Cap Rate: 5.3%

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Hayden

Routt County

Est. Monthly Rent: $3,200
Est. STR Gross: $2,400
DSCR Ratio: 1.31x
Cap Rate: 6.5%

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Highlands Ranch

Douglas County

Est. Monthly Rent: $4,000
DSCR Ratio: 0.92x
Cap Rate: 4.6%

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Hot Sulphur Springs

Grand County

Est. Monthly Rent: $2,800
DSCR Ratio: 1.28x
Cap Rate: 6.3%

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Hotchkiss

Delta County

Est. Monthly Rent: $3,200
DSCR Ratio: 1.31x
Cap Rate: 6.5%

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Idaho Springs

Clear Creek County

Est. Monthly Rent: $2,250
DSCR Ratio: 0.79x
Cap Rate: 3.76%

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Ignacio

La Plata County

Est. Monthly Rent: $2,700
DSCR Ratio: 1.31x
Cap Rate: 6.5%

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Johnstown

Weld County

Est. Monthly Rent: $2,775
DSCR Ratio: 0.94x
Cap Rate: 4.47%

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Keystone

Summit County

Est. Monthly Rent: $5,200
Est. STR Gross: $4,900
DSCR Ratio: 0.92x
Cap Rate: 4.5%

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Florida Investment Markets (45)

30A / Santa Rosa Beach

Walton County

Est. Monthly Rent: $4,700
Est. STR Gross: $8,800
DSCR Ratio: 1.09x
Cap Rate: 3.5%

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Anna Maria

Manatee County

Est. Monthly Rent: $4,425
Est. STR Gross: $9,525
DSCR Ratio: 0.74x
Cap Rate: 2.74%

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Apopka

Orange County

Est. Monthly Rent: $2,075
DSCR Ratio: 0.73x
Cap Rate: 3.86%

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Aventura

Miami-Dade County

Est. Monthly Rent: $2,775
DSCR Ratio: 0.85x
Cap Rate: 4.49%

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Big Pine Key

Monroe County

Est. Monthly Rent: $4,200
Est. STR Gross: $4,100
DSCR Ratio: 0.88x
Cap Rate: 5.2%

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Boca Raton

Palm Beach County

Est. Monthly Rent: $4,000
Est. STR Gross: $3,800
DSCR Ratio: 0.76x
Cap Rate: 4.6%

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Bonifay

Holmes County

Est. Monthly Rent: $1,600
DSCR Ratio: 1.15x
Cap Rate: 6.10%

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Bonita Springs

Lee County

Est. Monthly Rent: $4,000
Est. STR Gross: $4,100
DSCR Ratio: 0.91x
Cap Rate: 5.3%

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Boynton Beach

Palm Beach County

Est. Monthly Rent: $1,800
Est. STR Gross: $2,700
DSCR Ratio: 0.64x
Cap Rate: 3.52%

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Bradenton

Manatee County

Est. Monthly Rent: $3,300
Est. STR Gross: $2,700
DSCR Ratio: 0.97x
Cap Rate: 5.8%

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Brandon

Hillsborough County

Est. Monthly Rent: $3,200
DSCR Ratio: 1.08x
Cap Rate: 6.5%

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Callahan

Nassau County

Est. Monthly Rent: $2,700
DSCR Ratio: 1.19x
Cap Rate: 7.1%

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Cape Coral

Lee County

Est. Monthly Rent: $3,200
Est. STR Gross: $4,000
DSCR Ratio: 1.35x
Cap Rate: 6.5%

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Celebration

Osceola County

Est. Monthly Rent: $3,500
Est. STR Gross: $2,700
DSCR Ratio: 0.98x
Cap Rate: 5.9%

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Chiefland

Levy County

Est. Monthly Rent: $1,575
DSCR Ratio: 1.18x
Cap Rate: 6.23%

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Clearwater

Pinellas County

Est. Monthly Rent: $3,300
Est. STR Gross: $3,900
DSCR Ratio: 1.14x
Cap Rate: 5.8%

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Clermont

Lake County

Est. Monthly Rent: $2,150
Est. STR Gross: $3,225
DSCR Ratio: 0.78x
Cap Rate: 3.81%

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Cocoa Beach

Brevard County

Est. Monthly Rent: $2,175
Est. STR Gross: $4,675
DSCR Ratio: 0.89x
Cap Rate: 3.37%

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Coral Gables

Miami-Dade County

Est. Monthly Rent: $4,400
Est. STR Gross: $4,600
DSCR Ratio: 0.61x
Cap Rate: 3.5%

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Crestview

Okaloosa County

Est. Monthly Rent: $3,000
DSCR Ratio: 1.07x
Cap Rate: 6.4%

See investor guide

Davenport

Polk County

Est. Monthly Rent: $1,325
Est. STR Gross: $2,850
DSCR Ratio: 0.75x
Cap Rate: 2.90%

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Daytona Beach

Volusia County

Est. Monthly Rent: $1,500
Est. STR Gross: $3,225
DSCR Ratio: 0.96x
Cap Rate: 3.72%

See investor guide

DeFuniak Springs

Walton County

Est. Monthly Rent: $2,600
DSCR Ratio: 1.19x
Cap Rate: 7.1%

See investor guide

Delray Beach

Palm Beach County

Est. Monthly Rent: $2,300
Est. STR Gross: $4,950
DSCR Ratio: 0.88x
Cap Rate: 3.29%

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Destin

Okaloosa County

Est. Monthly Rent: $4,000
Est. STR Gross: $8,000
DSCR Ratio: 1.52x
Cap Rate: 4.6%

See investor guide

Doral

Miami-Dade County

Est. Monthly Rent: $3,125
DSCR Ratio: 0.81x
Cap Rate: 4.31%

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Dunedin

Pinellas County

Est. Monthly Rent: $3,700
Est. STR Gross: $3,000
DSCR Ratio: 0.88x
Cap Rate: 5.3%

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Englewood

Sarasota County

Est. Monthly Rent: $3,300
DSCR Ratio: 0.97x
Cap Rate: 5.8%

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Estero

Lee County

Est. Monthly Rent: $3,700
DSCR Ratio: 0.88x
Cap Rate: 5.3%

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Fernandina Beach

Nassau County

Est. Monthly Rent: $4,000
Est. STR Gross: $4,500
DSCR Ratio: 0.86x
Cap Rate: 4.6%

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Fort Lauderdale

Broward County

Est. Monthly Rent: $3,800
Est. STR Gross: $4,000
DSCR Ratio: 0.92x
Cap Rate: 5.2%

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Fort Myers

Lee County

Est. Monthly Rent: $3,000
DSCR Ratio: 1.07x
Cap Rate: 6.4%

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Fort Myers Beach

Lee County

Est. Monthly Rent: $4,000
Est. STR Gross: $6,600
DSCR Ratio: 1.26x
Cap Rate: 4.6%

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Fort Walton Beach

Okaloosa County

Est. Monthly Rent: $3,200
Est. STR Gross: $3,500
DSCR Ratio: 1.18x
Cap Rate: 6.5%

See investor guide

Gainesville

Alachua County

Est. Monthly Rent: $2,100
Est. STR Gross: $3,150
DSCR Ratio: 1.06x
Cap Rate: 5.21%

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Gainesville

Alachua County

Est. Monthly Rent: $2,025
DSCR Ratio: 1.00x
Cap Rate: 5.29%

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Golden Gate

Collier County

Est. Monthly Rent: $3,300
DSCR Ratio: 0.97x
Cap Rate: 5.8%

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Gulf Breeze

Santa Rosa County

Est. Monthly Rent: $3,600
Est. STR Gross: $3,900
DSCR Ratio: 1.05x
Cap Rate: 5.8%

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Hollywood

Broward County

Est. Monthly Rent: $3,700
DSCR Ratio: 0.97x
Cap Rate: 5.8%

See investor guide

Homestead

Miami-Dade County

Est. Monthly Rent: $3,200
Est. STR Gross: $2,400
DSCR Ratio: 1.08x
Cap Rate: 6.5%

See investor guide

Immokalee

Collier County

Est. Monthly Rent: $2,600
DSCR Ratio: 1.19x
Cap Rate: 7.1%

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Islamorada

Monroe County

Est. Monthly Rent: $4,400
Est. STR Gross: $8,800
DSCR Ratio: 1.16x
Cap Rate: 3.5%

See investor guide

Jacksonville

Duval County

Est. Monthly Rent: $2,600
Est. STR Gross: $2,400
DSCR Ratio: 1.08x
Cap Rate: 6.4%

See investor guide

Jupiter

Palm Beach County

Est. Monthly Rent: $2,750
Est. STR Gross: $4,125
DSCR Ratio: 0.59x
Cap Rate: 3.15%

See investor guide

Key West

Monroe County

Est. Monthly Rent: $5,200
Est. STR Gross: $12,200
DSCR Ratio: 1.78x
Cap Rate: 4.5%

See investor guide

DSCR loan questions

What is a DSCR loan?

A DSCR loan qualifies the property, not the borrower. Rental income vs. PITIA — no W-2s or tax returns required.

DSCR program details

Can I close in an LLC?

Yes — DSCR loans routinely close in the name of an LLC or partnership, protecting your personal balance sheet.

Ask about your structure

How many properties can I finance?

Unlimited with DSCR. Fannie Mae's 10-property cap doesn't apply — each property qualifies on its own cash flow.

Scale your portfolio

Get an investment analysis

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