DSCR loans let the property carry itself. No W-2s, no two years of returns — if the rent covers the note, you're in the conversation. Built for investors buying in Fort Collins, Greeley, Loveland, and the rest of Northern Colorado.
Enter a property and see the debt-service coverage ratio — the number a DSCR lender underwrites to.
Estimate only, for screening deals — 30-yr amortization, principal & interest plus the costs you entered. Your real rate and terms depend on the property, credit, and reserves. Let's pressure-test a real one together.
Conventional financing was built for primary residences — it asks about your job, your DTI, how many properties you already carry. A DSCR loan asks one question that actually matters: does the deal pay for itself?
No W-2s, no tax returns, no DTI math against your day job. The property's rent versus its payment is the underwrite.
Close in the name of your business entity from day one — the structure most investors want for liability and taxes, without a workaround.
Conventional caps the number of financed properties. DSCR doesn't — keep adding to the portfolio as fast as the deals pencil out.
Buy-and-hold, BRRRR, or a quick flip — each plays differently with financing. Here's where most Northern Colorado investors land.
You move fast on good deals. The financing should keep up — here's how it runs.
Run the numbers above, then send it over. We confirm the DSCR and a real rate range before you write the offer.
A short application and a credit pull. No tax returns — we verify reserves and the entity, not your paystubs.
An appraiser confirms value and market rent. That rent figure is what carries the loan, so we order it early.
Clear conditions, sign, and take title in your entity. Then we line up the next one.
Bring a real address or a deal you're chasing. Twenty minutes with Charles and you'll know whether it pencils — and what it'll take to close.
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