DSCR Loans in Colorado
Qualify for an investment property loan based on rental income alone. Perfect for self-employed investors, business owners, and portfolio builders who don't show traditional W-2 income.
How DSCR Loans Work
The Debt Service Coverage Ratio compares a property's gross rental income to its total monthly debt obligation. It's simple math that determines qualification.
The DSCR Formula
DSCR = Monthly Rent ÷ Monthly PITIA
(Principal + Interest + Taxes + Insurance + Association dues)
0.75
Minimum (30%+ down)
1.0
Break-even (25% down)
1.25+
Best rates (20% down)
Why Investors Choose DSCR Loans
No Tax Returns Required
Qualify entirely on the property's rental income—no W-2s, pay stubs, or personal income documentation.
Simple Qualification
If the rent covers the mortgage, you qualify. DSCR ratios as low as 0.75 accepted with higher down payment.
Fast Closings
Close in 21-30 days with streamlined underwriting. No income docs means less back-and-forth.
Unlimited Properties
No cap on the number of DSCR loans. Scale your portfolio without conventional financing limits.
Who Benefits from DSCR Loans?
DSCR loans solve a common problem: investors with strong cash flow but complex tax situations that make conventional qualification difficult.
Self-Employed Investors
Business owners who write off income and show low AGI on tax returns
Portfolio Investors
Experienced landlords who've maxed out conventional financing (10 properties)
Foreign Nationals
International investors purchasing Colorado rental properties
LLC & Entity Buyers
Investors purchasing in an LLC or corporation name
Short-Term Rental Operators
Airbnb and VRBO hosts in Colorado mountain towns
DSCR Loan Requirements
Related Investment Loan Programs
DSCR Loan FAQs
Common questions about Debt Service Coverage Ratio loans in Colorado
Skip the Tax Returns. Qualify on Rental Income.
Find out if a DSCR loan is right for your next Colorado investment property. Fast pre-approvals available.