Most DSCR loans in Colorado need 20-25% down, and the exact figure tracks the property's debt-service-coverage ratio. Here's how LTV, reserves, and DSCR math play out for an El Paso County rental.
A P&L-only loan lets self-employed borrowers qualify on a CPA-prepared profit & loss statement instead of two years of tax returns. Here's how it works, how it differs from a bank-statement loan, and which Colorado Springs business owner it actually fits.
An LLC can get a mortgage, but rarely a conventional one. Most Colorado investors title rental property in an LLC and finance it with a DSCR or non-QM loan that qualifies on the property's rent, not their tax returns. Here's how it works.
A bank said no because your tax returns don't show enough income. Non-QM lenders look at the cash flow your business actually produces. Here's the full menu of non-QM loans available in Colorado and how a broker shops them past bank overlays.
If your tax returns understate what you actually earn, a bank statement loan lets self-employed Coloradans qualify on 12 or 24 months of deposits instead. Here's how it works, who it fits, and how to get started in Colorado Springs.
A DSCR loan qualifies you on the rent a property produces instead of your personal tax returns. Here is how the ratio works, what Colorado lenders typically want for down payment, credit, and reserves, and how the math plays out on real Springs and Front Range rentals.