A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income of the investment property rather than personal income. No W-2s or tax returns are required. The property's monthly rent must cover the mortgage payment, typically at a ratio of 1.0 or higher.

How fast can I close a DSCR loan?

AllApprovedHere typically closes DSCR rental loans in 21 days or fewer, significantly faster than conventional lenders.

What states does AllApprovedHere lend in?

AllApprovedHere / Barrett Financial Group is licensed to lend in Arizona (AZ), California (CA), Washington (WA), Nevada (NV), and Colorado (CO).

What is the minimum DSCR ratio required?

Most DSCR loan programs require a minimum DSCR ratio of 1.0, meaning the property's rental income must at least cover the monthly mortgage payment. Programs with stronger ratios (1.25+) qualify for better rates and terms.

Do you offer construction loans for ground-up development?

Yes. AllApprovedHere offers ground-up construction loans with up to 90% LTC (Loan-to-Cost), 12-24 month terms, and interest-only draw schedules for residential and commercial development projects.

NMLS #1502253 | Licensed in Colorado

Colorado Investment Property Loans

DSCR rental loans, construction financing, and fix & flip capital for Colorado real estate investors. Licensed in CO — NMLS #1502253.

Get Pre-Approved (602) 628-1231

NMLS #1502253

2-Min Pre-Qual

No Credit Impact

$560K

Median Home Price

Denver Metro

+1.8%

Population Growth

Year-over-Year

High

Military Demand

Colorado Springs

21 Days

Avg. Close Time

Our CO Average

Loan Programs

Colorado Investment Loan Programs

Every program available in Colorado, tailored for real estate investors.

DSCR Rental Loans

Qualify on rental income — no W-2s or tax returns. Ideal for Denver, Colorado Springs, and Fort Collins investors.

Construction Loans

Ground-up construction financing for Colorado builders in Denver, Aurora, and mountain communities.

Fix & Flip Loans

Fast purchase + rehab financing for Colorado flippers in Denver, Aurora, and Colorado Springs.

Local Markets

Colorado Markets We Serve

We lend in every major Colorado market. Click your city for local rates and programs.

Denver

Denver County · $580,000 median

DSCR Rental LoansFix & Flip

Aurora

Arapahoe County · $450,000 median

DSCR Rental LoansFix & Flip

Colorado Springs

El Paso County · $390,000 median

DSCR Rental LoansFix & Flip

Fort Collins

Larimer County · $520,000 median

DSCR Rental LoansConstruction Loans

Boulder

Boulder County · $820,000 median

DSCR Rental LoansLuxury Fix & Flip

Free Tools

Run Your Colorado Numbers

Free calculators and tools built for Colorado real estate investors.

DSCR Calculator

Check if your rental qualifies

ARV Estimator

Estimate after-repair value

Construction Estimator

Budget your build costs

Rental Yield Analyzer

Calculate your ROI

View All Tools

FAQ

Colorado Investment Loan Questions

Q.Do you lend in Denver, Colorado Springs, and Fort Collins?

Yes. We lend throughout Colorado including Denver, Aurora, Colorado Springs, Fort Collins, Boulder, Lakewood, Thornton, and all other Colorado markets.

Q.Can I use a DSCR loan for a Colorado mountain vacation rental?

Yes. We lend on short-term rentals in mountain communities including Breckenridge, Vail, Aspen, Steamboat Springs, and Telluride. STR income can be used for DSCR qualification.

Q.What LTV is available for Colorado investment properties?

Most Colorado DSCR programs offer up to 80% LTV for purchase and 75% for cash-out refinance. Strong markets like Denver and Boulder typically see the best pricing.

Q.How does Colorado's military presence affect investment lending?

Colorado Springs has Fort Carson, Peterson SFB, and Schriever SFB — creating strong, stable rental demand. Military tenant properties often qualify for favorable DSCR ratios.

Q.How fast can you close a Colorado investment property loan?

Our average close time in Colorado is 21 days for DSCR loans and 14–16 days for fix & flip loans. Denver-area deals with clean files have closed in as few as 12 days.

Licensed in Colorado · NMLS #1502253

Ready to Fund Your Colorado Deal?

Get pre-qualified in 2 minutes. No credit pull, no commitment. Our Colorado-licensed loan officers are ready.

Get Pre-Approved (602) 628-1231