SFI Loans

DSCR Loans in Colorado

30-year rental loans for Colorado investors, qualified on the property's rental income and your credit score. Your W-2s, paystubs, and tax returns stay in the drawer, so you can add doors as fast as you find good rentals.

Based in Colorado Springs and lending across Colorado, including Pueblo, Monument, and the Denver metro.

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Colorado DSCR loan terms

Typical terms on a 30-year rental loan

Term30 years
PurchaseUp to 80% of price
RefinanceUp to 75% of value
Qualifies onRent + credit score
Minimum DSCR1.0
Minimum loan$75,000
Origination2%
Property1–4 unit rentals
Typical closeAbout 30 days

How a Colorado DSCR loan works

DSCR stands for debt service coverage ratio. It compares the rent a property brings in with the monthly payment it carries: principal, interest, taxes, insurance, and any HOA dues.

DSCR = monthly rent ÷ monthly payment

A Colorado Springs rental that rents for $2,300 a month with a $2,000 monthly payment has a DSCR of 1.15. SFI Loans looks for a ratio of 1.0 or higher. A higher ratio and a lower loan-to-value both bring your rate down.

Colorado numbers to check before you offer

  • Metro district taxes. Many newer Front Range subdivisions sit in a metro district, which adds its own levy to the property tax bill. Use the full mill levy from the county assessor, not just the county rate.
  • Insurance. Hail and wildfire risk have pushed Colorado premiums up, so get a quote early. It feeds straight into your ratio.
  • HOA dues. They count toward the payment, so include them in the ratio.

Flip it, then hold it

Many Colorado investors buy and renovate with a hard money loan in Colorado Springs, rent the property, then refinance into a 30-year DSCR loan to hold it. SFI Loans makes both loans, so the lender that funded your rehab also handles the refinance.

Refinances go up to 75% of the property's current market value. New to DSCR? Start with how DSCR rental loans work.

Call 719.602.3799

"SFI has been a seamless process. We used them for the first time last year for our first investment property. We didn't have to worry about hidden fees or the small print. Everything was explained easily and in a way we understood."
Robert Goldate, Real Estate Investor

Colorado DSCR loan questions, answered

SFI Loans qualifies Colorado DSCR loans on the property's rental income and your credit score. The property should have a DSCR of 1.0 or higher, the loan should be at least $75,000, and the property should be a 1–4 unit rental that you don't live in. Purchase loans go up to 80% of the price and refinances up to 75% of current market value, with no W-2s, paystubs, or tax returns needed.

On a purchase, plan on at least 20% down, since SFI Loans lends up to 80% of the purchase price. Budget separately for closing costs, including appraisal, title, processing, and underwriting fees.

Yes. Once the property is rented, SFI Loans can refinance it into a 30-year DSCR loan at up to 75% of its current market value. Many Colorado investors fund the purchase and rehab with a hard money loan, then refinance into a DSCR loan to hold the property.

Most DSCR rental loans close in about 30 days. Call before you sign a contract, and SFI Loans can tell you what the property qualifies for.

DSCR loans are built for rental properties occupied by tenants, with a paying tenant in place within 90 days of closing. The home you live in calls for a different type of mortgage.

Ready to see what your Colorado rental qualifies for?

Send the address and the expected rent, and SFI Loans will tell you what the property qualifies for before you write the offer.

Get Prequalified
Call 719.602.3799
What type of loans do you provide?
We provide hard money loans for purchase and rehab of single family, 1-4 units, non-owner occupied properties.  We also provide 30 year loans for tenant occupied single family 1-4 unit properties. 719.602.3799

We provide mortgages to single family investors of all experience level from new investors buying their first property to experienced investors with hundreds of properties.

We currently provide purchase/rehab loans and rental loans in Texas, Colorado, Georgia, Florida, South Carolina, North Carolina, and Tennessee

Loan programs: Hard money loans in Colorado Springs · Hard money loans in Texas · DSCR loans · DSCR loans in Texas · DSCR loans in Colorado · Construction loans · What is a hard money loan?