No W-2. No Tax Returns.
Denver real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 620+ credit. LLC borrowing. Close in 14-21 days.
Check My Denver Rate →The economy runs on the state government, the federal center in Lakewood, UCHealth and HealthONE, the aerospace and energy cluster, and the University of Colorado. The rental stock is pre-war bungalows in the central neighborhoods, post-war ranches across the city and inner suburbs, and a basis among the highest in the Mountain West.
Colorado is non-judicial through the public trustee system. Denver runs at a high basis that compresses DSCR, and Colorado's property-tax assessment cycle has produced large swings in the tax line. Denver's landlord-tenant rules have tightened materially in recent years. Hail is the dominant insurance driver.
Because the tax line is the swing factor here, run the DSCR with the actual current bill and the reassessed figure after purchase — in Denver they are frequently not the same number, and the lender will use the higher one.
Get a bindable insurance quote before you go under contract. In Denver the premium is large enough to move the ratio across the 1.0 line on its own.
Local landlord-tenant rules in Denver affect eviction timelines and therefore how some capital sources view the collateral. It changes which sources are comfortable and at what leverage, not your eligibility.
Also see: Las Vegas, NV →Tucson, AZ →Fix & Flip Loans in Denver →
DSCR rental loans in Denver qualify based on the property's rental income, not your W-2 or tax returns. Min credit 620, max 80% LTV purchase / 75% cash-out, 30-year fixed terms, LLC borrowing allowed, close in 14-21 days.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
Denver combines tech, energy, aerospace, and outdoor lifestyle appeal. Lockheed Martin, DISH Network, Ball Corporation, and a massive startup ecosystem drive professional rental demand. Higher entry prices than most Midwest and Southeast metros, but consistent appreciation and strong rents support the math. Suburbs like Aurora and Lakewood offer better cash flow than city proper.
We finance rentals and projects throughout the metro. The loan is underwritten on the property, its rent or after-repair value and your experience — not on the neighborhood name.
We also fund investments throughout the greater Denver metro including Aurora, Lakewood, Thornton, Westminster, and Centennial.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Denver rental properties typically need a DSCR of 1.10x to 1.25x to qualify. Higher DSCR unlocks better pricing. Properties in Aurora often qualify easily on gross rent alone.
Denver markets favor SFR, 2-4 unit multifamily, and small apartment buildings. Some lenders impose condo restrictions. STRs require DSCR programs that accept projected revenue.
All LendingStreet DSCR programs in Denver allow LLC borrowing with personal guarantees. Standard for asset protection.
Denver's 4.7% YoY appreciation makes cash-out refinancing attractive. Typical caps: 70-75% LTV. Use equity to acquire more Denver properties.
How the numbers work: see a worked DSCR calculation or run your own in the DSCR calculator.
Yes. DSCR loans qualify based on the Denver rental property's projected income — not your personal income. No W-2, no tax returns required.
Most Denver DSCR programs through our capital sources start at a 620 credit score. Higher scores improve leverage and pricing.
Most lenders require a minimum DSCR of 1.00x. Better pricing kicks in at 1.20x+. Denver rental yields average 5.6% making 1.20x achievable in most submarkets.
Yes. LendingStreet DSCR loans in Denver allow borrowing in an LLC with a personal guarantee.
Denver DSCR loans typically close in 14-21 days from complete application. Well-prepared borrowers can close in 10-14 days.
Yes. STR-specific DSCR programs qualify based on projected short-term rental revenue. Some Denver areas have STR restrictions — verify local rules.
DSCR loans in Denver start at $150K with no maximum loan amount — larger loans are placed with jumbo DSCR sources in our network.
Yes. Rate-and-term refis and cash-out refis are available on Denver rentals. Cash-out caps at 70-75% LTV.
Almost always the tax line. The lender uses the reassessed bill after purchase, which is often higher than the seller's current bill.
Enough to decide it. Get a bindable quote before contract; the premium can move the ratio across 1.0 on its own.
Not your eligibility — which capital sources are comfortable and at what leverage. We structure around it.
No credit pull. No commitment. Speak with a licensed financing company with direct access to 30+ capital sources.
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