DSCR Loan vs. Conventional Mortgage: The Colorado Investor’s Guide to Scaling

Small investment property with backyard for DSCR loan vs conventional mortgage guide in Centennial Colorado.

The question is inevitable for any serious investor in the Centennial, Denver, or surrounding Colorado markets: Which is better for my next rental property—a Conventional loan or a DSCR loan? It is a mistake to think of one as universally “better.” Both are powerful tools, but they are designed for completely different investor profiles and…

Vacant Colorado house with a For Rent sign, illustrating property qualification using projected rental income for a DSCR loan.

This is one of the most critical questions real estate investors face when financing new properties, particularly in competitive Colorado markets like Centennial, Denver, and Castle Rock: Can I use projected rental income to qualify for a DSCR loan, even if the property is vacant? The answer is a definitive yes. Using projected rental income…

Infographic summarizing DSCR loan requirements in Colorado, showing 20-25% down payment and 660+ minimum credit score for investors.

A common question from real estate investors exploring DSCR loan down payment and credit score requirements is how much money is needed upfront and what credit score lenders typically look for. DSCR loans are designed to be flexible, but there are still standard guidelines investors should understand before getting started. DSCR loans qualify borrowers based…

DSCR loans income verification for a Colorado investment property

One of the most common questions Colorado real estate investors ask about DSCR loans income verification is whether personal income or tax returns are required. In most cases, DSCR loans do not require personal income documentation. Qualification is based on the income produced by the investment property rather than the borrower’s personal earnings. This approach…

Steven Beam RE/MAX real estate agent in Parker CO

Choosing the right real estate agent in Parker CO plays a major role in how confident and informed buyers and sellers feel throughout the transaction. Parker continues to attract buyers looking for space, community amenities, and long-term value, making local expertise especially important. Steven Beam with RE/MAX is a real estate agent I’ve had the…

Family of Colorado home buyers exploring USDA vs FHA loan options for buying a home

When Colorado home buyers are looking for low down payment mortgage options, the USDA vs FHA loan comparison is one of the most common questions that comes up. Both programs are designed to make homeownership more accessible, but they work very differently and one may be a much better fit depending on where you are…

Single family home in a USDA eligible area in Colorado

A USDA home loan in Colorado is one of the most misunderstood and underused mortgage programs available today. When many people hear the term USDA loan, they assume it is only for farmers or very remote rural areas. In reality, this program helps everyday homebuyers purchase homes in many suburban and smaller Colorado communities, often…

If you’re at any point in the loan process, whether you’re working on getting pre-approved, you’re already under contract and buying a home, you might be thinking to yourself, “Why do lenders have so many questions? They just keep asking me more and more questions. What’s the deal with this?” I wanted to talk about…

Have you noticed more of your neighbors in Denver or Centennial talking about refinancing their homes this year? They’re not alone. More and more Colorado homeowners are considering refinancing in 2025 as mortgage rates shift and property values continue to climb. Rising home equity and fluctuating interest rates have made refinancing a timely strategy for…

What happens when home prices rise faster than incomes? For many Colorado buyers, that question has defined the housing market over the past few years. With the median home price in the Denver metro area climbing steadily and interest rates remaining unpredictable, affordability has become one of the biggest challenges for first-time buyers and veterans alike.…