DSCR Range
1.05 – 1.40 (STR-based)
Median Price
$450,000 – $1,200,000+
Avg Rent
$2,000 – $6,000+ (STR)
Market Overview
Why Investors Are Active in Colorado
Colorado's investment landscape spans two distinct opportunity types: Denver metro for long-term rental demand from tech, government, and healthcare workers; and mountain resort markets (Breckenridge, Vail, Telluride, Steamboat) for short-term rental income that can produce DSCR ratios of 1.3–1.8 using AirDNA projections.
Get Pre-Qualified for a Colorado DSCR LoanKey Advantages
- →Denver is a top-10 U.S. tech hub with strong long-term rental demand
- →Mountain STR markets generate extraordinary nightly rates during ski season
- →Strong outdoor recreation economy drives year-round tourism
- →Growing population from California and Texas in-migration
- →STR DSCR loans available using AirDNA projections for resort markets
- →No limit on STR ownership in most unincorporated mountain counties
DSCR Loans by City
Cities in Colorado
New to DSCR loans? Start with What Is a DSCR Loan? →DSCR financing is available across Colorado's major investment markets, from Denver's tech-driven rental demand to the mountain-adjacent submarkets where short-term rental income can support qualification.
Denver's tech economy and in-migration drive steady long-term rental demand, with STR income supported in mountain-adjacent submarkets.
Top Investment Cities
Where to Invest in Colorado
Sample Deal Analysis
Sample Deal: Breckenridge STR Condo
Purchase Price
$650,000
Down Payment
$162,500 (25%)
Monthly PITIA
$4,250/mo
Market Rent
$5,800–$7,200/mo avg (AirDNA)
Resulting DSCR
1.36–1.69
Breckenridge STR properties command premium nightly rates during ski season (December–March) and strong shoulder season demand. AirDNA DSCR qualification allows investors to use projected income for underwriting.
Common Questions
Colorado DSCR Loan FAQ
Yes. DSCR loans are available for non-owner-occupied investment properties throughout Colorado. Qualification is based on the property's rental income, not your personal income or tax returns. Most Colorado DSCR programs require 20–25% down and a minimum 1.0 DSCR ratio, with 1.25+ preferred for the best terms.
Most Colorado DSCR lenders require a minimum credit score of 620–640. A score of 700+ unlocks more competitive pricing, and 740+ typically qualifies for the best available rate tiers. Lower credit scores can often be offset with a larger down payment of 25–30% or a stronger DSCR ratio.
DSCR is calculated by dividing the property's gross monthly rental income by its total monthly debt service (principal, interest, taxes, and insurance — PITIA). In Colorado, typical DSCR ratios range from 1.05 – 1.40 (STR-based). Most lenders require a minimum of 1.0, with 1.25+ preferred for competitive pricing.
DSCR loan requirements in Colorado typically include: a minimum 620–640 credit score, 20–25% down payment (75–80% LTV), a minimum 1.0 DSCR ratio (1.25+ preferred), and roughly 6 months of PITIA in reserves. LLC ownership is permitted, and no personal income documentation is required. Property types include SFR, 2–4 unit multifamily, condos, and short-term rentals.
Ready to Invest?
Get a DSCR Loan in Colorado
No income docs required. Qualify based on the property's rental income. Available for LLCs and business entities.