Colorado DSCR Loans
EasyRent is our tailored and industry-leading DSCR Loan solution for Colorado real estate investors. Whether you are acquiring property to expand your portfolio or cashing out your capital in a refinance, we have a loan for you. Our DSCR Lending Program has solutions for anyone – from first-time investors to industry veterans looking to rapidly scale their portfolios. We are confident we can find you a great Colorado DSCR loan in a quick, efficient and easy process. Click the button below and get started today!
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What is a DSCR Loan?
A DSCR Loan is a mortgage loan for a residential income-producing property. It is primarily based on the “Debt Service Coverage Ratio” or the cash flow of the property, rather than the borrower’s income. A traditional mortgage loan will require income verification, tax returns and a “Debt-to-Income” (DTI) ratio. DSCR Loans require none of these! Perfect for real estate investors ready to scale (no more W2!) or are looking leave behind the hassle, paperwork and headaches of conventional financing, DSCR Loans are quickly becoming the go-to loan option for real estate investors.
For a comprehensive definition, “DSCR Loans are mortgage loans secured by residential real estate turnkey properties strictly used for a business purpose and underwritten primarily based on the property.”
DSCR Loan Definition Breakdown
- Mortgage Loans = form of loan that is secured by collateral, collateral = real estate
- Residential Real Estate = properties used for people to live in vs. commercial, which is used to operate businesses (offices, retail, industrial, hotel, self-storage, etc.). In real estate finance, residential also typically refers to “1-4 unit” properties, anything more would be considered “multifamily”
- Business Purpose = DSCR loans strictly do not allow the owner of the property to live in the property, it must be used for “business” or investment purposes. Includes use of “cash-out proceeds”
- Underwritten = How lender evaluates (and then prices) the risk of the loan
- Primarily Based on Property = Mostly based on property, but also look at sponsor
- Turnkey = property doesn’t require any renovation, “turn the key and go”
Looking to get a deeper understanding of all things DSCR? Check out our DSCR Loans Guide below!
Colorado Recent DSCR Fundings
Real Investments. Real Results.
Real estate investors in The Centennial State are turning to DSCR Loans as a strategic tool to expand and manage their investment property portfolios. DSCR loans allow investors to secure financing based on the property's ability to generate income (rather than an investor's individual credit profile). In a market like Colorado, where real estate prices have shown steady growth and rental demand remains steady, DSCR loans offer investors a flexible and effective means to acquire new properties, improve existing ones, or refinance their assets. Easy Street Capital is proud to be a leading provider of DSCR loans for Colorado real estate investors looking to build rental portfolios! Check out our most recently funded DSCR loans in Colorado below:
Single-Family Residence
Salida, CO
$304,500 Colorado DSCR Rental Loan for an Acquisition of a rental property in Salida. This property is conveniently located near downtown Salida, offering easy access to boutique shops, restaurants, art galleries, and the historic district. It’s also close to the Arkansas Headwaters Recreation Area, known for its exceptional rafting, fishing, and hiking opportunities.
Single-Family Residence
Boulder, CO
$1,029,500 Colorado DSCR Rental Loan for a Rate-Term Refinance of a rental property in Boulder. This extensively remodeled short-term rental features a new open kitchen, updated plumbing and electrical systems, and a remodeled basement with egress windows. Its prime location adjacent to CO-93 offers easy access to downtown Boulder.
Condo
Breckenridge, CO
$632,775 Colorado DSCR Rental Loan for a Cash-Out Refinance of a rental property in Breckenridge. This cozy condo sits at the base of Breckenridge Ski Resort, allowing for ski-on and ski-off capabilities, and is situated a half mile west of Main Street, the town’s primary roadway.
Single-Family Residence
Frederick, CO
$221,400 Colorado DSCR Rental Loan for a Cash-Out Refinance of a rental property in Frederick. This property benefits from its proximity to a variety of large employers, restaurants, hiking trails, skiing, and magnificent views of the mountain range.
Single-Family Residence
Longmont, CO
$609,700 Colorado DSCR Rental Loan for a Cash-Out Refinance of a rental property in Longmont. This property is currently being utilized as a short-term rental after undergoing extensive renovations such as brand new appliances, refurbishment of the pool, a hot tub, and a new roof.
Condo
Denver, CO
$359,999 Colorado DSCR Rental Loan for an Acquisition of a rental property in Denver. This condo is in great condition and has an elegant modern facade with large windows, dual balconies, and contemporary finishes throughout the kitchen and bathrooms. The property will be utilized as a short-term rental upon acquisition.
Single-Family Residence
Leadville, CO
$273,750 Colorado DSCR Rental Loan for a rental property in Leadville. This historical Victorian home has a cute front porch and a large fenced-in backyard and is located in the heart of Leadville. Close to the Rocky Mountains, several ski resorts as well as other recreational activities for visitors.
Single-Family Residence
Thornton, CO
$252,000 Colorado DSCR Rental Loan for a Cash-Out Refinance of a rental property in Thornton. Situated within walking distance to local elementary, middle, and high school and within close proximity to all necessary retail amenities, healthcare facilities, and employment opportunities. This property features three bedrooms and two bathrooms.
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