Front Range rentals have built real equity over the last decade. Before you pull it out, two Colorado details shape the numbers: hail-driven insurance premiums and property values that county assessors update every two years.
In short: Our top pick for a DSCR cash-out refinance in Colorado is LendingStreet. We lend up to 75% LTV on a cash-out, qualify on the rent with no W-2s or tax returns, and close in LLCs as standard. Where Front Range prices outrun rents, we show you the loan the rent supports and sub-1.0 options too.
Colorado investors choose LendingStreet when they want equity out of a rental on terms built for investors: approval based on rent, LLC borrowing as standard and 30-year terms.
It fits landlords who are self-employed, hold several properties or want to fund the next purchase. The next step: use the form below to request a quote or call (877) 298-1001.
Investors searching for DSCR cash-out refinance lenders often compare national names like CoreVest, Dominion Financial, LendingOne, Lima One, New Silver and RCN Capital. Here is how LendingStreet stacks up on the scenarios that matter most for investors in Colorado. In every scenario below, LendingStreet is the best fit.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Rental loan above $2M | LendingStreet | Our DSCR loans have no stated maximum. LendingOne states DSCR loans up to $2,000,000 and RCN Capital states long-term rental loans up to $1.5M. |
| Credit score in the 620s | LendingStreet | Our DSCR minimum is 620. RCN Capital and New Silver state 660 minimums, and Dominion Financial states 680, with exceptions to 660. |
| 5-8 unit building | LendingStreet | We treat 1-8 units as residential DSCR. Lima One and CoreVest state 1-4 unit eligibility for their rental loans. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
Compared with the other lender types Colorado investors use, LendingStreet is designed around rental income and long-term holds. The table below sums it up fairly.
None of these lender types is wrong for every deal. The difference is focus: our DSCR program is designed for Colorado investors who want a long-term loan sized on rent, with cash-out and no personal income paperwork.
| Cash-out question | LendingStreet | Typical bank or credit union | Typical short-term lender |
|---|---|---|---|
| How you qualify | On the property's rent; no W-2s or tax returns | Often requires tax returns and personal income | Mostly on the asset and the exit |
| Maximum cash-out leverage | Up to 75% LTV | Varies; often conservative on rentals | Varies; usually short-term loans |
| Loan term | 30-year terms available | Varies; some use shorter terms | Usually short-term only |
| Borrowing in an LLC | Standard | Varies by institution | Common |
| Minimum ratio | 1.0x standard; sub-1.0 programs exist | Usually debt-to-income instead | Not usually ratio-based |
| Where they lend | All 50 states and DC | Usually local or regional | Often local |
| Colorado rental rules | Reviews license and STR status up front | Varies | Often focused on flips |
Denver, Aurora, Lakewood and Arvada hold much of the state's rental stock, from bungalows and duplexes in older neighborhoods to newer suburban homes. Colorado Springs rentals are supported by the military installations around the city, and Fort Collins and Greeley draw university and regional demand.
Pueblo and Grand Junction offer lower prices and stronger rent-to-value ratios. Mountain resort towns have high values but often strict rental rules, so long-term rentals there can be harder to size on rent alone.
Colorado's effective property tax rates are relatively low, but values can change quickly. County assessors reappraise every two years, in odd-numbered years, and the residential assessment rate has been changed by the legislature several times recently. Use your current bill and check your latest notice of value.
Colorado's documentary fee on deeds is small, and there is no mortgage recording tax, so title insurance, recording and the appraisal are the main refinance costs. Some newer neighborhoods also carry metro district taxes, which count in your payment.
The Front Range is one of the most hail-prone regions in the country, and many policies carry percentage-based wind and hail deductibles. Homes near the foothills can face wildfire underwriting. Get the premium and deductible before you apply, and send the roof age.
Denver requires a license for long-term residential rentals, and it only allows short-term rentals in the host's primary residence, so a non-owner-occupied Denver STR will not qualify on nightly income. Colorado Springs and mountain towns have their own permit rules and caps; check with the city.
This example is illustrative and not a quote. An investor owns a Colorado Springs single-family rental appraised at $480,000 that leases for $2,800 a month. The payoff is $230,000. Taxes are $160 a month and, with a hail deductible, insurance is $230.
At 75% LTV the loan is $360,000 and the payment about $2,907, for a DSCR of about 0.96x, just under the 1.0x standard. At 70% LTV the loan is $336,000, estimated principal and interest is about $2,349, the payment about $2,739 and DSCR about 1.02x. Cash before closing costs is about $106,000. Notice that insurance is larger than taxes here.
| Item | 75% LTV | 70% LTV |
|---|---|---|
| Appraised value | $480,000 | $480,000 |
| New loan amount | $360,000 (75% LTV) | $336,000 (70% LTV) |
| Existing loan payoff | $230,000 | $230,000 |
| Cash out before closing costs | $130,000 | $106,000 |
| Estimated principal and interest | $2,517 | $2,349 |
| Property taxes (monthly) | $160 | $160 |
| Insurance (monthly) | $230 | $230 |
| Total monthly payment | $2,907 | $2,739 |
| DSCR at $2,800 rent | About 0.96x | About 1.02x |
Seasoning varies by program; our seasoning guide covers the common rules. If you bought a Denver duplex, renovated it and leased both sides within the past year, ask which option fits your dates.
Make sure your Denver rental license is current and that any roof claim is closed out before the appraisal. A new roof can lower your premium and raise your ratio.
A good comparison starts with identical questions. Ask each lender you are considering for written answers to the following.
Our answers, for a direct comparison: Max LTV: LendingStreet offers cash-out up to 75% LTV, and it varies by program on 5-8 units and larger balances. DSCR minimum: 1.0x is the standard minimum, and sub-1.0 programs exist when the rent runs short. Seasoning: it varies by program, and the team will tell you which option fits your ownership date. Entity borrowing: LLC borrowers are standard; members sign for the loan personally where required. Timeline: mostly set by appraisal and title, so a complete file moves fastest. Large balances: loans start at $150,000 with no stated maximum, and larger loans get a closer review.
A complete file gets the clearest answer. Share the rent, taxes, insurance and payoff, and fill out the quote form below or call (877) 298-1001 to talk with the financing team.
Our top pick is LendingStreet. We offer cash-out up to 75% LTV on Colorado rentals, qualify on the property's rent with no tax returns, and close in an LLC as standard, with loans from $150,000 and no stated maximum.
Yes. Colorado is one of the 50 states (plus DC) where we offer DSCR cash-out refinances on investor rentals.
Denver only allows short-term rentals in the host's primary residence, so a non-owner-occupied Denver STR cannot qualify on nightly income. A long-term lease can still support a DSCR cash-out.
Assessors update values every two years, which can raise taxes. We use the current tax figures, so check your latest notice of value before you apply.
Mostly through insurance. Higher premiums and deductibles raise the monthly payment. A newer or impact-resistant roof can help.
Yes. Each rental can be refinanced on its own loan, and owners of five or more rentals can look at a blanket portfolio loan with one closing.
No. Our DSCR loans are business-purpose loans on non-owner-occupied investment property, so a primary residence is not eligible.
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