DSCR Financing in CO

DSCR Loans in Colorado

Denver appreciation, Colorado Springs military rentals, and a world-class mountain STR corridor. Colorado is the top ski-country DSCR market.

Local Market Context

Investor Markets in Colorado

Denver

Metro Denver SFR rentals and small multifamily with strong long-term appreciation.

Colorado Springs

Military tenant base at Fort Carson and Peterson SFB, more affordable than Denver.

Boulder

University of Colorado rentals and tight supply in a high-appreciation market.

Grand Junction

Western Slope cash flow and workforce housing at low entry prices.

Breckenridge / Summit County

Mountain STR market with strong winter and summer occupancy.

Common Properties

What Investors Finance in Colorado

✓Summit County, Vail, and Steamboat STRs
✓Denver-metro SFRs and townhomes
✓Colorado Springs military-tenant SFRs
✓Boulder student housing
✓Grand Junction and Pueblo cash-flow SFRs
✓Small multifamily in Denver's RiNo and Highlands

Property Types

DSCR Property Eligibility

Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.

Refinance options Purchase options

Program Paths

Current DSCR Options in Colorado

Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.

Program 3

Completed Rehab

A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.

Program 1

Small Balance

Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.

Program 7

Low / No FICO, No Minimum DSCR

Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.

80% cash-out can be available in Colorado. Program 3 can reach up to 80% cash-out LTV at 680+ FICO in this state, subject to DSCR, property type, value, loan size, and other overlays.

Colorado DSCR FAQ

Does Get Brick Capital offer DSCR loans in Colorado?

Yes. Colorado is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.

Is Program 7 available in Colorado?

Yes. Program 7 can be available in Colorado for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.

Do I need W-2s or personal tax returns?

DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.

Can I close the loan in an LLC?

Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.

See Your Colorado DSCR Options

No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.

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