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DSCR Rental Loans · Colorado

DSCR rental loans in Colorado — qualify on the rent.

Mortava DSCR loans in Colorado: 620+ FICO, up to 85% LTV, min DSCR 0.50, 30/40-yr fixed — statewide.

Colorado is a strong appreciation market with robust short-term-rental demand in mountain-town submarkets. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Denver, Colorado Springs, Aurora and beyond on the deal's cash flow.

No tax returns, W-2s, or DTI — qualify on the rent
Up to 85% LTV · 30 & 40-yr fixed & interest-only
Close in an LLC · soft inquiry only
Get a live Colorado term sheet
Soft inquiry only — won't affect your credit.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why investors finance Colorado rentals with Mortava

DSCR loans let Colorado investors scale without the income docs a bank requires. Because qualification is based on the property's rent rather than your personal income, there are no tax returns, no W-2s, and no DTI calculation — ideal for self-employed buyers, full-time investors, and anyone growing a portfolio across Denver, Colorado Springs, Aurora, Fort Collins.

Denver drives Colorado’s long-term-rental demand, while mountain-town submarkets support some of the strongest short-term-rental economics in the country. Many Colorado investors run both strategies inside one portfolio.

Top metros we lend in
Denver, Colorado Springs, Aurora, Fort Collins
Max leverage
Up to 85% LTV purchase · 80% cash-out CLTV
Terms
30 & 40-year fixed and interest-only
Minimum FICO
620 (better leverage at 660+ / 740+)

Short-term rentals & Airbnb in Colorado

Denver-area short-term rentals can qualify for DSCR financing on projected rental income — no years of Airbnb history required. If the STR play is your angle in Colorado, see our STR / Airbnb DSCR program for how projected income is underwritten.

Guidelines reviewed July 2026 by the Mortava lending team.

Colorado DSCR loan FAQ

Can I get a DSCR loan in Colorado?
Yes. Mortava lends on investment properties across Colorado, including Denver, Colorado Springs, Aurora, Fort Collins. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in Colorado without W-2s or DTI.
What credit score do I need for a Colorado DSCR loan?
Most Colorado DSCR programs start at a 620 FICO. Stronger credit unlocks higher leverage (up to 85% LTV) and better pricing, since loans are priced by FICO band.
Can I close a Colorado DSCR loan in an LLC?
Yes. These are business-purpose loans, so you can vest title in an LLC or corporation — common for asset protection and portfolio growth in Colorado.
Can I use a DSCR loan for an Airbnb or short-term rental in Colorado?
Yes. Mortava's STR DSCR program qualifies Colorado short-term rentals on projected rental income — no long Airbnb history required. Local STR rules vary by city and county in markets like Denver, so confirm licensing before you buy.
Do you lend on rentals in Denver and Colorado Springs?
Yes — Mortava lends across Denver, Colorado Springs, Aurora, Fort Collins and every other Colorado market. DSCR loans are sized on each property's rent, so a Denver duplex and a small-town single-family are underwritten the same way.
DSCR rental loans by state
DSCR in WyomingDSCR in AlabamaDSCR in AlaskaDSCR in ArizonaDSCR in ArkansasDSCR in CaliforniaDSCR in ConnecticutDSCR in DelawareDSCR in FloridaDSCR in GeorgiaDSCR in HawaiiDSCR in Idaho
All DSCR programs → Fix & Flip loans in Colorado → Instant quote & pre-qualify →
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