Investment property loans
Financing for your next Colorado rental
Single-family rentals, 2–4 unit buildings, fix-and-flips and short-term rentals — with conventional, DSCR and portfolio programs from multiple lenders.
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- $1B+ funded
- 30+ years of experience
Investment loan programs
Whether you're buying your first rental or adding to a portfolio, there's a program for the strategy.
Conventional investment
DSCR loans
Fix-and-flip bridge loans
Portfolio / blanket loans
Cash-out refinance
2–4 unit properties
How investment financing differs
Compared with a primary residence, investment loans need a larger down payment, carry higher pricing, and require more reserves. In return, rental income can help you qualify — a portion of market rent on conventional loans, or the property's rent itself with DSCR.
Colorado offers both long-term rentals along the Front Range and short-term vacation rentals in the mountains. Led by Andrew McBryan, who brings 30+ years of experience, we work with first-time landlords and seasoned portfolio owners, and compare programs across multiple lenders.
Typical requirements
- Down payment
- Typically 15% (1 unit) to 25% (2–4 units) on conventional loans
- Credit score
- Often 620–680+ depending on down payment; higher scores generally get better pricing
- Cash reserves
- Often 6 months for the property you're buying, plus more for other financed properties
- Financed properties
- Up to 10 conventional; many DSCR lenders don't apply that limit
- Property types
- Single-family, 2–4 units, condos
Investment property loan questions
Conventional investment property loans typically need 15% down for a single-unit property and 25% down for 2–4 units. DSCR and portfolio lenders set their own requirements, often 20–25% or more.
Yes. Conventional loans generally count a portion of the rent (commonly 75%) from a lease or the appraiser's rent estimate. DSCR loans qualify the loan on the property's rent compared with its payment, without your personal tax returns or W-2s.
Investment property rates are typically higher than rates for a primary residence. The difference depends on your credit score, down payment, property type and program. Call (303) 549-5277 for current investor pricing.
Fannie Mae allows up to 10 financed properties per borrower on conventional loans. Beyond that, many DSCR and portfolio lenders don't apply the same limit. More financed properties usually means more required reserves.
Yes. We arrange short-term bridge and renovation loans for fix-and-flip investors. These often have 12–18 month terms and interest-only payments, and can fund both the purchase and rehab costs. Terms vary by lender.
Yes. We finance 2–4 unit residential properties with conventional and DSCR loans, and with FHA if you'll live in one of the units. Properties with 5 or more units are commercial and need different financing.
Ready to finance your next investment property?
Get pre-approved, or call Andrew to compare conventional, DSCR and portfolio options for the deal.