DSCR Investor Loans in Colorado
The property's income qualifies you, not your personal income. No tax returns, no W-2s, no employer verification. Just the deal and the numbers.
If you're an investor trying to scale your portfolio, you've probably hit the point where conventional lending starts working against you. More properties means more complicated taxes, and lenders start asking for more documentation than the deal is worth. DSCR loans solve that problem. The lender looks at the property's rental income compared to the mortgage payment. If the numbers work, you're good to go. I work with investors regularly on these loans and can usually give you a quick read on whether a deal makes sense.
How It Works
No Income Docs
No tax returns, no W-2s, no pay stubs, no employer verification. The property qualifies on its own merits.
Close in an LLC
You can close in the name of your LLC or business entity. That's a big deal for investors who want liability protection.
Simple Qualification
The main number is the DSCR ratio: property rent divided by total payment. Most lenders want 1.0 or higher.
Faster Closings
Less documentation means less back and forth. These loans typically close faster than conventional investment property loans.
No Limit on Properties
Unlike conventional guidelines that cap you at 10 financed properties, DSCR programs don't have that restriction.
Cash-Out Available
You can do cash-out refinances on existing investment properties to pull equity and reinvest in your next deal.
Who Is This For?
Common Questions
What DSCR ratio do I need?
Most lenders want a DSCR of 1.0 to 1.25, meaning the rent covers 100% to 125% of the mortgage payment. Some programs allow ratios below 1.0 with a larger down payment.
What's the typical down payment?
Most DSCR loans require 20% to 25% down. The exact amount depends on your credit score, the property type, and the DSCR ratio.
Can I use projected rent or does it need to be leased?
Most programs accept an appraiser's market rent estimate, so the property doesn't need to be currently leased. This works for both purchases and refinances.
Are rates higher than conventional?
Yes, typically by 1% to 2%. But the trade-off is speed, simplicity, and the ability to scale without the documentation burden. Most of my investor clients find it's well worth it.
Ready to talk about your options?
Pick a time on my calendar or give me a call. No pressure, just a straight conversation about what's possible for your situation.