Investment property loans in Colorado.
DSCR, conventional investor, and portfolio financing for CO rental investors — long-term holds, short-term rentals, and multifamily.
Loan options for CO investors
DSCR loans (no tax returns)
Qualify on the rental income — long-term or short-term. Best fit for STR investors in Breckenridge, Telluride, Steamboat, Vail, Crested Butte, and Pagosa Springs. 20–25% down, no DTI calc, no W-2 review.
Conventional investor loans
Traditional Fannie/Freddie investor financing — 20–25% down for SFRs, up to 10 financed properties per borrower. Best pricing if your tax returns and DTI support the qualification.
Portfolio investor loans
For investors above the 10-financed-property limit, or scenarios that don't fit the agency box. Higher rates, but flexible.
Multifamily (2–4 unit)
Conventional financing for owner-occupied 2–4 unit, or investor 2–4 unit with 25% down. Rental income from non-occupied units helps qualify.
Colorado investor markets we lend in
Breckenridge
STR-friendly zoning + tourism demand → DSCR jumbo is the dominant program.
Telluride
High-cap-rate STRs in a tight market. DSCR or asset-based jumbo.
Steamboat Springs
Year-round STR demand. Both DSCR and conventional investor financing.
Pagosa Springs
Vacation rental market with attractive entry prices — DSCR-friendly.
Vail Valley
STR-friendly zoning in select Avon/Eagle parcels. DSCR and conventional investor.
Front Range long-term rentals
Denver metro, Colorado Springs, Pueblo, Greeley — conventional investor or DSCR on cash-flowing SFRs and 2–4 units.
Colorado investor loan FAQs
How much down do I need for a CO investment property?+
Conventional investor financing on a single-family rental typically requires 20–25% down. Multifamily (2–4 unit) investor financing requires 25%. DSCR loans also require 20–25% down depending on the lender and DSCR ratio.
Do you need to see my tax returns for a DSCR loan?+
No — DSCR qualifies on the rental income vs. the proposed mortgage payment (the DSCR ratio). We don't run DTI, we don't require W-2s, and we don't need tax returns. Useful if your tax returns understate your true cash flow.
Can I use short-term rental income to qualify?+
On DSCR, yes — we use a market rent or AirDNA-style projection for the subject property's STR potential. On conventional investor loans, lenders typically only count long-term lease income, not STR projections.
What's the max number of CO investment properties I can finance?+
Conventional caps at 10 financed properties per borrower (across all properties, not just CO). DSCR has no such cap — you can scale your portfolio as long as each property cash flows to the DSCR threshold.
How do investor rates compare to primary residence rates?+
Investor rates typically run 0.75–1.5% higher than owner-occupied on conventional. DSCR is generally 0.5–1.0% higher than conventional investor but qualifies on rental income — so the trade-off is rate vs. qualifying flexibility.
Can I cash-out refinance a CO investment property?+
Yes — conventional investor cash-out caps at 75% LTV on SFRs. DSCR investor cash-out also goes to 75% LTV with strong DSCR ratios. Useful for pulling equity to fund the next acquisition.
Price your Colorado investment loan
DSCR, conventional investor, or portfolio — we'll structure the best fit for your scenario.