What is the minimum down payment for a Colorado investment property?

Most conventional investment property loans require 15-25% down in Colorado. A single-unit rental typically needs 15-20% down, while multi-unit properties (2-4 units) require 20-25%. DSCR loans and portfolio lenders may offer different requirements based on property cash flow.

Can I use rental income to qualify for an investment property loan?

Yes. Conventional loans allow you to use 75% of projected rental income (from an appraisal or lease) to offset the mortgage payment. DSCR loans go further—they qualify you entirely based on the property's rental income versus its expenses, without verifying your personal W-2 or tax returns.

What are investment property interest rates in Colorado?

Investment property rates are typically 0.50% to 0.875% higher than primary residence rates. Exact pricing depends on your credit score, down payment, property type, and loan program. Contact Cedar Home Loans at (303) 549-5277 for current investor rates.

How many investment properties can I finance?

Fannie Mae and Freddie Mac allow up to 10 financed properties per borrower. Beyond that, portfolio lenders and DSCR programs offer unlimited property financing for qualified investors. Each additional property may require larger reserves.

Do you offer loans for fix-and-flip properties in Colorado?

Yes, we offer short-term bridge loans and renovation financing for fix-and-flip investors in Colorado. These loans typically have 12-18 month terms, interest-only payments, and fund both purchase and rehab costs.

Can I finance a multi-family property as an investment?

Absolutely. We finance 2-4 unit residential investment properties with conventional, FHA (if owner-occupied), and DSCR loans. Properties with 5+ units are considered commercial and require different financing, which we can also arrange.

Colorado Investment Property Specialists

Investment Property Loans in Colorado

Finance your next rental property, multi-family investment, or fix-and-flip project with competitive rates and flexible programs designed for Colorado real estate investors.

Get Investor Pre-Approval (303) 549-5277

Why Colorado Investors Choose Cedar Home Loans

Nearly 30 years of experience financing investment properties across the Front Range and Colorado mountain towns.

Competitive Investor Rates

Access wholesale rates across multiple investor loan programs tailored to Colorado markets.

Rental Income Qualification

Use projected or actual rental income to qualify—including DSCR loans with no personal income verification.

1-4 Unit Properties

Finance single-family rentals, duplexes, triplexes, and fourplexes across Colorado.

Portfolio Growth

Scale your portfolio with financing for up to 10+ properties. No limit on DSCR loans.

Investment Property Loan Programs

Whether you're purchasing your first rental or scaling a portfolio of 20+ properties, we have programs built for every investor strategy.

Conventional Investment

15-25% down, best rates for investors with strong W-2 or tax return income

DSCR Loans

Qualify on rental income alone—no tax returns or employment verification required

Fix-and-Flip Bridge Loans

Short-term financing for purchase and rehab, 12-18 month terms

Portfolio / Blanket Loans

Finance multiple properties under a single loan for experienced investors

Cash-Out Refinance

Pull equity from existing rentals to fund your next acquisition

Multi-Family (2-4 Units)

House-hack or invest with residential multi-family financing

Discuss Your Strategy

Quick Requirements Overview

Down Payment15–25%

Credit Score680+ (conventional)

Cash Reserves6 months per property

Max Properties10+ (unlimited with DSCR)

Property TypesSFR, 2-4 units, condos

Colorado Investment Property Market Overview

Colorado remains one of the strongest rental markets in the country. Population growth, limited housing supply, and a booming tourism industry create exceptional opportunities for property investors—from long-term rentals in Denver and Colorado Springs to short-term vacation rentals in mountain communities.

Investment property financing differs from primary residence loans in several key ways: higher down payments (15-25% vs. 3-5%), slightly higher interest rates (0.5-0.875% above owner-occupied), and stricter reserve requirements. However, investors can offset this by using rental income in their qualification—up to 75% of market rent on conventional loans, or 100% with DSCR programs.

At Cedar Home Loans, we work with investors at every level—from first-time landlords buying a duplex to seasoned portfolio owners adding their 15th property. Our access to multiple wholesale lenders means we find the right program for your unique strategy.

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