Build wealth with Colorado Springs real estate. Whether you’re buying your first rental or scaling a portfolio, 719 Lending offers investment-property financing, including DSCR loans that qualify on the property’s rental income, not just yours. Local, fast, and rated 4.9★ on Google. (NMLS #1601989, Equal Housing Lender.)
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Financing investment property in Colorado Springs
Colorado Springs is a strong rental market: a growing population, five military installations driving steady tenant demand, and home prices below the Denver metro. That combination makes it one of Colorado’s more attractive places to own rentals. We help investors finance single-family rentals, condos, and small multi-unit properties.
Your investor loan options
Conventional investment loans
Finance a rental with a conventional loan, typically with 15 to 25% down depending on the property and your profile. Best rates for strong credit and reserves.
DSCR loans (qualify on rental income)
A DSCR (Debt-Service Coverage Ratio) loan qualifies based on the property’s rental income rather than your personal income or tax returns, ideal for investors who are self-employed, write off income, or are scaling a portfolio. If the rent covers the payment, you may qualify.
Investment loan benefits
- Finance single-family rentals, condos, and 2-4 unit properties.
- DSCR options that skip personal income documentation.
- Use rental income to qualify and to grow your portfolio.
- Cash-out refinance to pull equity for your next purchase.
Investment loan requirements
- Down payment typically 15 to 25% or more depending on program and units.
- Solid credit; DSCR programs focus on the property’s cash flow.
- Reserves (months of payments in savings) are often required.
- The property must be a non-owner-occupied investment.
The process in Colorado Springs
- Talk strategy — your goals, the property, and the best loan structure.
- Get pre-approved — move fast in a competitive market.
- Close — and start collecting rent.
Why investors choose 719 Lending
We speak investor: DSCR, cash flow, reserves, and scaling. Rated 4.9★ on Google. 719 Lending, NMLS #1601989 — Equal Housing Lender. Compare every program on our loan options page. Read our reviews.
Investment property loan FAQ
What is a DSCR loan?
A DSCR loan qualifies based on the property’s rental income covering the mortgage payment, rather than your personal income or tax returns. It’s popular with self-employed investors and those scaling a portfolio.
How much down payment do I need for an investment property?
Typically 15% to 25% or more, depending on the program, your credit, and the number of units.
Can I use rental income to qualify?
Yes. Conventional loans count a portion of rent, and DSCR loans qualify primarily on the property’s cash flow.
Can I finance a multi-unit property?
Yes. We finance single-family rentals, condos, and 2-4 unit properties in Colorado Springs.
719 Lending — NMLS #1601989. Equal Housing Lender. This is not a commitment to lend; all loans are subject to credit approval and property appraisal. Rates and terms are subject to change.