DSCR Loans in Colorado Springs

DSCR loans in Colorado Springs are a smart way for real estate investors to qualify based on property income—not personal income. These loans don’t require tax returns, W-2s, or employment documentation. Instead, qualification is based on how well the rental property covers its own expenses.

If you’re buying or refinancing a rental property, this type of loan may be your best option. Whether you’re a first-time investor or scaling your portfolio, DSCR (Debt-Service Coverage Ratio) loans offer a faster, simpler way to close without the hassle of traditional underwriting. [See if your property qualifies.]

We offer flexible DSCR programs for single-family homes, condos, townhomes, and 2–4 unit properties. Short-term rentals (Airbnb/VRBO) and long-term rental homes are both eligible. Our minimum DSCR ratio is typically 1.00, but we also offer low-DSCR and no-ratio options for well-qualified investors.

Colorado Springs continues to attract both military and civilian renters due to its strong job base and population growth. If you’re investing in neighborhoods like Fountain, Northgate, or Powers, a DSCR loan may help you scale faster with less documentation. [Get a personalized rental loan quote.]

What Is a DSCR Loan?

• No income docs required

• Approval based on property’s rental income

• DSCR = monthly rent ÷ mortgage payment

• Ideal for rental properties and investor portfolios

• Available for purchases, cash-out, and rate-term refinances

Who DSCR Loans Are For

• Real estate investors expanding their portfolio

• Self-employed buyers with limited documentation

• First-time landlords purchasing their first rental

• Investors using long-term or short-term rentals

• Buyers seeking fast closings and minimal red tape

The Colorado Springs Rental Market

With median rents increasing and demand remaining strong, Colorado Springs offers ideal conditions for rental investment. Areas like Old Colorado City, Fountain, and Banning Lewis Ranch attract both long-term renters and military families. DSCR loans let you close based on the cash flow of the property—not your personal income or tax returns. [See what your cash flow qualifies for.]