DSCR Loans Colorado — Investor Mortgages, No Income Docs

Investor Portfolio Solutions

Colorado DSCR Investor Loans — Qualify Based On Rental Cash Flow

Debt Service Coverage Ratio (DSCR) loans empower real estate investors to expand their portfolios without verifying personal income, employment records, or tax returns. Qualification relies entirely on the property’s rental income covering the monthly mortgage payment. Forge matches this smoothly for scaling landlords.

No Income

No tax returns or W-2 checks

1.0+ DSCR

Rental cash flow target

20%

Standard investor down payment

DSCR Quick Reference Matrix

Understanding the DSCR Calculation

The calculation is simple: Gross Rental Income divided by PITI (Principal, Interest, Taxes, Insurance, and HOA dues). A ratio of 1.0 means the property covers its own costs. Ratios above 1.0 mean positive cash flow, which unlocks lower interest rates across our lending options.

DSCR =

Gross Rental Income PITI

REAL CLIENT REVIEWS

What Colorado Homeowners Say

"Franz walked us through every detail. We were first-time buyers and he treated us like we mattered. Closed in 28 days with DPA covering our entire down payment."

— Maria & Carlos R.

"Self-employed, three businesses, never thought I could get a mortgage easily. Forge sorted it in two weeks. Took less time than my refinance with a different lender."

— Priya M.

"Big-name lender denied us. Franz looked at our file, suggested a different program, and got us approved. Same income, same credit. Forge knows what other lenders don’t."

— Anthony G.

"VA loan with zero down. Franz handled both the mortgage AND helped us find the home. One person, one transaction, zero confusion."

— James T.

COMMON QUESTIONS

Frequently Asked Questions

Can I use short-term rental data from Airbnb or VRBO?

Yes. Forge offers specialized short-term rental DSCR paths that utilize localized AirDNA data projections or established property management booking histories to verify cash flow.

What is the minimum down payment for DSCR?

The standard down payment requirement is 20% for most DSCR configurations, though a 25% down payment may unlock more competitive pricing.

Ready When You Are

Your Goals. Our Game Plan.

Schedule your free 30-minute consultation. We’ll review your credit, income, and goals — and map you to the right loan and DPA program. No pressure, no obligation.