DSCR Loans in Colorado

Start or scale your real estate investment portfolio in Colorado with a DSCR loan. DSCR loans in Colorado enable investors to qualify for a mortgage using rental income rather than personal income. No tax returns or employment verification required.

  • Obtain financing based on cash flow 
  • No-income mortgage solution 
  • Buy or refinance short- and long-term rentals 
  • Unlimited cash-out
  • Competitive DSCR loan rates in Colorado
Review logo Review logo Review logo Review logo Review logo Review logo Review logo Review logo Review logo Review logo Review logo Review logo
Outstanding Client ExperienceOutstanding Client Experience
Specialized Lending SolutionsSpecialized Lending Solutions
Direct-to-Consumer AdvantageDirect-to-Consumer Advantage
We're Advisors, NOT SalespeopleWe're Advisors, NOT Salespeople
Effortless Digital Mortgage PlatformEffortless Digital Mortgage Platform

Table of Contents

Featured In:

Areas We Serve

Griffin Funding provides DSCR loans to borrowers throughout Colorado, including the following areas:

  • Denver
  • Vail
  • Aspen
  • Colorado Springs
  • Arvada
  • Westminster
  • Pueblo
  • Centennial
  • Boulder
  • Aurora
  • Fort Collins
  • Lakewood
  • Thornton
  • Cherry Hills Village
  • Mountain Village
  • Telluride
  • Edwards
  • Columbine Valley

Real Estate Investment Financing in Colorado

Debt service coverage ratio (DSCR) loans allow real estate investors to qualify for a mortgage based on a property’s cash flow rather than personal income. Instead of reviewing tax returns or pay stubs, we prioritize a property’s DSCR — which measures its income versus its debt obligations — to make a lending decision. This offers a flexible mortgage solution for real estate investors looking to build or expand their portfolio. 

DSCR loans can be used to purchase or refinance long-term and short-term rental properties, with financing available for many different property types and no limit on the number of properties financed. Access up to $20 million in financing while enjoying a streamlined underwriting process with no income or employment verification. 

Visit our DSCR loan page to learn more about this type of financing and see today’s rates. Contact Griffin Funding or get started online to take the first step towards securing a DSCR loan in Colorado. 

Frequently Asked Questions

Getting a DSCR loan in Denver and other cities in CO should be fairly straightforward if you meet the minimum qualification requirements, such as having a solid DSCR, down payment, and credit score. Working with an experienced DSCR lender in Colorado can also help streamline the process.

Several factors can influence the rate you qualify for on a DSCR loan, including:

  • Increase your DSCR: The higher your DSCR, the better.
  • Optimize your credit score: Stronger credit scores often help borrowers secure better rates.
  • Make a big down payment: A larger down payment can lower your rate by offsetting risk for the lender.
  • Gain real estate investment experience: Although first-time investors are welcome to apply for DSCR loans in CO, lenders may offer better rates to seasoned investors who have experience in managing rental properties.

While DSCR loans can be beneficial for investors, there are a few potential downsides:

  • Higher interest rates compared to traditional loans.
  • Larger down payment requirements.
  • Ineligible for owner-occupied properties.
  • No fixer-uppers allowed.
  • Typically come with prepayment penalties.