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✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026
Rates

Colorado DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 5.80%

Rental property financing for Colorado investors qualified on property cash flow, not personal income, W 2s, or tax returns. Serving Denver, Colorado Springs, Aurora, Fort Collins and the rest of Colorado. If the property cash flows at 1.2× the mortgage, you may qualify.

  • 1.2 DSCR minimum
  • Credit is lender underwriting
  • Best tier from 5.80%
  • 21 to 30 day close

Indicative as of October 1, 2026. Not a quote. Lenders set final pricing at underwriting.

Talk to PeerSenseCalculate Your DSCR

Can I get a DSCR rental loan in Colorado?

Yes. DSCR loans in Colorado qualify investors based on property cash flow with a 1.2 DSCR minimum. Credit and equity injection are lender underwriting. PeerSense does not set a FICO floor. No tax returns, W 2s, or DTI calculation required. 1 to 4 unit residential and 5+ unit multifamily eligible. Governed best tier floor 5.80% from rate-floors.json.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated October 1, 2026.

Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.

Colorado Rental Market Snapshot

State level data DSCR underwriters use to size Colorado rental deals.

Median Home Price
$555K
Statewide single family
Gross Rental Yield
4.0 to 6.0%
Annual rent / price
Eviction Timeline
45 to 75 days
mixed
Rate Adjustment
neutral
vs national baseline

Colorado is a premium priced DSCR market with strong STR submarkets in Summit and Eagle counties. Denver and Boulder run thin LTR yields driven by jumbo pricing; Colorado Springs and Pueblo offer better cap rates. Mountain town STR DSCR pages (Breckenridge, Vail, Aspen) routinely qualify at 1.7+ thanks to nightly rates.

Major Colorado Markets We Serve

Active DSCR deal flow across Colorado's core rental markets. Same DSCR math statewide. Credit and equity injection are lender underwriting.

MetroMedian PriceGross YieldDSCR Investor Notes
Denver$595K4.0 to 5.5%Largest CO market, tech/aerospace employment, premium LTR demand
Colorado Springs$445K5.0 to 6.5%Military rental demand from Fort Carson/USAFA/Peterson SFB, mid cap rate alternative to Denver
Aurora$495K5.0 to 6.0%Suburban Denver, family LTR demand, lower entry than Denver core
Fort Collins$525K4.5 to 5.5%CSU student housing, premium suburb pricing, growing STR market north
Colorado investor note:Colorado has no statewide rent control (preempted at state level through 2023's HB23 to 1115 repeal attempt), though tenant friendly legislation has expanded notice periods and warranty of habitability remedies.

Colorado Eviction Timeline & Landlord Posture

How Colorado courts handle non payment evictions, material to DSCR loss severity assumptions.

Posture
mixed
Typical Timeline
45 to 75 days
Rent Control
None / preempted

Colorado requires a 10 day notice for non payment after HB21 to 1121. County court hearings are scheduled 7 to 14 days after filing. Denver County calendars are slower than Adams/Arapahoe.

Colorado Rate Adjustment vs National Baseline

neutralover national baseline pricing

Mountain resort markets price slightly higher for STR volatility, but Denver MSA tracks national jumbo curves.

Final pricing depends on DSCR, LTV, property type, and program. Credit is lender underwriting. Governed best tier floor 5.80% from rate-floors.json as of October 1, 2026.

DSCR Lenders Active in Colorado

The non bank DSCR programs we see most frequently funding Colorado rental deals. PeerSense matches your scenario across this lender set rather than locking you into one.

  • Kiavi
  • Visio Lending
  • Lima One
  • CoreVest

PeerSense sources capital through a curated network of commercial lenders and capital sources. Lenders listed are programs we have funded Colorado deals through; specific terms vary by file.

Colorado DSCR Loan Requirements

RequirementMinimumNotes
DSCR1.201.00+ exists on specialty programs. Credit and equity are lender underwriting.
CreditLender underwritingPeerSense does not set a FICO floor. Capture the score on the form.
EquityLender underwritingPurchase DSCR is commonly structured around 65 to 75% LTV. PeerSense does not set a typical down.
Property Type1 to 4 units or multifamilyCondos, townhomes, STRs OK where legal
Income DocsNoneNo tax returns, W 2s, DTI check
Reserves6 months PITIAChecking, savings, stocks qualify
Close Time21 to 30 daysCash out refi: 14 to 21 days

Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.

Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.

Get Colorado DSCR Loan Terms

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