In Denver, the insurance quote can matter as much as the tax bill. Hail on the Front Range is routine, property taxes are relatively low, and the city's licensing and short-term rental rules shape what kind of rental an investor can run.
In short: Our top pick for Denver is LendingStreet. We approve DSCR loans on rent, with no W-2s or tax returns, LLC borrowers as standard and 30-year terms. Purchases go up to 80% LTV and cash-out refinances up to 75%, loans start at $150,000 with no stated maximum, and sub-1.0 programs help when hail-driven insurance pushes a ratio just below 1.0x. Get a quote with the form below or call (877) 298-1001.
LendingStreet finances business-purpose DSCR loans on non-owner-occupied 1-8 unit rentals across Denver, Adams, Arapahoe, Jefferson and Douglas counties. We lend on single-family homes, townhomes, duplexes and small apartment buildings, with a 620 minimum credit score and a standard 1.0x minimum DSCR.
We fit the Denver landlord who wants a long-term loan in an LLC, the self-employed investor whose returns do not tell the full story, and the owner who wants to pull cash from a rental bought before prices rose. Send the address, value and rent, and we will test the loan amount with you.
Well-known DSCR lenders include CoreVest, Dominion Financial, LendingOne, Lima One, New Silver and RCN Capital. Compared scenario by scenario for investors in Denver, CO, LendingStreet comes out as the stronger choice, and one application covers it.
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. |
Denver investors usually compare a few lender types. Here is a general look at each on the questions that matter for a long-term rental.
| What investors need | LendingStreet | Typical bank or credit union | Typical hard money lender |
|---|---|---|---|
| How you qualify | On the property's rent; no W-2s or tax returns | Often requires tax returns and personal income | Usually based on the property and the exit |
| Borrow in an LLC | Standard | Varies; often prefers personal names | Common |
| Loan term | 30-year terms available | Varies; often shorter terms | Usually short-term only |
| Purchase leverage | Up to 80% LTV | Varies | Varies; built for short holds |
| Cash-out refinance | Up to 75% LTV | Varies; may limit investors | Rarely a long-term option |
| Loan size | From $150,000, no stated maximum | Varies by bank | Varies |
Highland, Sunnyside and Berkeley in northwest Denver, and Baker, Platt Park and Washington Park to the south, carry higher prices and strong demand. Capitol Hill and Congress Park have older homes and small multi-unit buildings near downtown, while Park Hill, Montbello, Westwood and Athmar Park offer lower entry prices.
Many investors buy in the suburbs: Aurora, Lakewood, Arvada, Westminster, Thornton, Englewood, Littleton and Commerce City, plus Parker and Castle Rock to the south. Newer subdivisions often sit in metro districts, which add a mill levy to the tax bill, and HOAs that may limit leasing.
Colorado property taxes are relatively low compared with many states, but the residential assessment rate has been changed by the legislature several times in recent years, so use the current county assessor figures. Check whether a metro district mill levy applies, especially in newer suburbs. The state documentary fee on a sale is small.
Hail is the big variable. Front Range insurers have raised premiums and many policies carry percentage-based wind and hail deductibles. Wildfire risk matters in the foothills. Ask for roof age and material, confirm the deductible, and use the real premium in your ratio.
Denver requires a residential rental license, which includes an inspection, for long-term rentals. Colorado's 2024 for-cause eviction law requires a legal reason to end most tenancies, and state law bars local rent control. Build compliance into your plan before you lease.
Denver only allows short-term rentals in the operator's primary residence, so a non-owner-occupied investment property cannot operate as a nightly rental in the city. Some mountain and resort communities do allow them, under their own licensing rules. Most Denver DSCR loans use 12-month leases.
This example is illustrative and not a quote. An investor buys an Aurora single-family home for $480,000 that leases for $2,850 a month. Taxes are $240 a month, but the hail-heavy insurance quote is $230 a month, and HOA dues are $40.
At 75% LTV the loan is $360,000, estimated principal and interest is about $2,395, and the full payment is about $2,905, for DSCR near 0.98x, just under 1.0x. At 70% LTV the loan is $336,000, the payment about $2,745, and DSCR about 1.04x. Insurance, not taxes, was the swing cost here, which is common in Denver.
| Item | 75% LTV | 70% LTV |
|---|---|---|
| Loan amount | $360,000 | $336,000 |
| Estimated principal and interest | $2,395 | $2,235 |
| Property taxes | $240 | $240 |
| Insurance and HOA | $270 | $270 |
| Total monthly payment | $2,905 | $2,745 |
| DSCR at $2,850 rent | About 0.98x | About 1.04x |
Denver prices rose sharply over the past decade, so many long-time owners hold large equity. A cash-out refinance up to 75% LTV can fund the next purchase, and a rate-and-term refinance up to 80% on some programs can move a rental into an LLC with a 30-year term.
Investors who planned on nightly income and now face Denver's primary-residence rule often switch to 12-month leases and refinance on that rent. Small apartment buildings of 5 to 8 units also qualify, though max LTV on those varies by program.
Ask every lender on your list the same six questions, then compare the answers side by side.
Here is how LendingStreet answers: up to 80% LTV on purchases and up to 75% on cash-out, a 1.0x standard minimum with sub-1.0 programs, cash-out seasoning that varies by program, LLC borrowers as standard, a clear document list at the start, and loans from $150,000 with no stated maximum, where max LTV can be lower on larger balances.
Send the address, price or value, leases or rent estimate, the assessor record and an insurance quote with the hail deductible. We will run the ratio and lay out options. Call (877) 298-1001 or get a quote with the form below.
Own five or more Denver-area rentals? Ask about a blanket portfolio loan.
Our top pick is LendingStreet. We qualify on rent with no W-2s or tax returns, lend to LLCs, offer 30-year terms, go up to 80% LTV on purchases and 75% on cash-out, and have sub-1.0 programs.
Yes. We lend throughout Denver and the metro, all of Colorado, and all 50 states and DC.
No. Denver limits short-term rentals to the operator's primary residence. Consider markets that allow non-owner-occupied short-term rentals.
Hail. Premiums and deductibles on the Front Range reflect frequent storms. A newer impact-resistant roof can help.
Yes. Denver requires a residential rental license with an inspection for long-term rentals.
A special district that funds infrastructure in many newer subdivisions. Its mill levy adds to your property tax bill.
Yes, up to 75% LTV, with seasoning that varies by program, as long as the rent covers the new payment.
You have options. A smaller loan amount, a quote with a higher deductible or a newer roof can lift the ratio, and sub-1.0 programs exist for files that still come in a little short.
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