Investor or loan officer holding a small chalkboard sign that reads 'LOAN PREPAYMENT PENALTY'

As a seasoned real estate investor in Colorado, you know that the best deals are made at the closing table. While DSCR loans offer incredible flexibility such as no personal income verification and closing in an LLC, they almost always come with a feature that conventional loans do not: a Prepayment Penalty (PPP). A prepayment…

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A hand holding a miniature model of a house against a blurred green background, symbolizing real estate investment and growth.

As a real estate investor in Centennial, Colorado, and the Denver Metro area, you may have reached the maximum of ten conventional mortgages allowed by lenders like Fannie Mae and Freddie Mac. This point is a significant milestone, and it’s where the most successful investors pivot their strategy to continue building wealth. If you’re asking,…

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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…

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