Clipboard checklist showing the three main benefits of using an LLC for real estate investing: Taxes, Protection, and Simplicity.

One of the most powerful questions a real estate investor must answer before closing on a new property is: “Who should officially own this asset?” For investors using the Debt Service Coverage Ratio (DSCR) loan, the answer affects everything from asset protection and liability to lender requirements and exit strategy. Unlike traditional mortgages that often…

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Woman reviewing financial documents at home while calculating income from bank statements for a Colorado mortgage.

If you are self-employed or a business owner considering a mortgage, understanding how to calculate income from bank statements is essential. Many home buyers throughout Centennial, Parker, Lone Tree, Aurora, Highlands Ranch, and other Colorado communities turn to bank statement loan programs because traditional tax returns often don’t reflect their true earning power. Bank statement…

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The short answer is yes, indeed, you can finance home improvements into your mortgage loan. There’s a couple of ways you can go about it. The most commonly known renovation loan is called an FHA 203k. This is the one that most people know about. The FHA 203k is a primary residence only loan. There…

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For Rent sign in front of a rental property in Colorado

If you’re a real estate investor in Centennial, Castle Rock, Parker, or anywhere in Colorado, you may have heard about DSCR loans. These loans are growing in popularity because they make it easier to qualify without needing traditional income documentation. So who qualifies for a DSCR loan in Colorado? Let’s break it down. What is…

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Family in front of their Colorado home after completing a mortgage refinance process

If you’re thinking about refinancing, one of the first questions you may have is “How long does the mortgage refinance process take in Colorado?” The short answer: most refinances in Colorado close in about 30 to 45 days. But your timeline may be shorter or longer depending on the type of loan, your documentation, and…

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Block with "Refinance" next to calculator and plant, symbolizing refinance and credit planning in Colorado

If you’re thinking about refinancing your home in Colorado, one of the first things to check is your credit score. Your score plays a big role in whether you qualify and what kind of rate and terms you can get. So what score do you actually need to refinance? Minimum credit scores by loan type…

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Model house on calculator with scattered coins, representing rental income and DSCR loan qualification in Colorado

If you’re a real estate investor in Centennial, Denver, or anywhere in Colorado, you may have heard about DSCR loans. These loans are becoming more popular because they make it easier for investors to qualify without relying on personal income or tax returns. DSCR stands for Debt Service Coverage Ratio, and here’s how it works.…

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Whiteboard with "Closing Costs" written on it, illustrating refinance expenses for homeowners in Colorado

If you’re thinking about refinancing your home, one of the first things that probably comes to mind is: How much is this actually going to cost? In Colorado, closing costs vary on refinances depending on many factors such as the type of loan and how the refinance is structured. Here’s a breakdown of what’s typically…

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an individual holding a bunch of home keys

Achieving home ownership in Colorado can feel like a distant dream, especially with rising property prices and the competitive housing market. But for many Colorado buyers, government-backed loan programs offer a path to affordable and attainable homeownership. Whether you’re a first-time buyer, a veteran, or someone looking for options outside traditional loans, FHA home loans, VA…

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a bunch of keys and home figurines placed on a dark surface

Buying a home is one of the most exciting and important decisions you’ll ever make. Whether you’re a first-time homebuyer or a seasoned investor, choosing the right mortgage lender can make or break your homeownership journey. For buyers exploring FHA, VA, or USDA home loans, working with a specialized and knowledgeable mortgage lender in Colorado is critical. These…

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