Investment property rental home representing conventional and non-QM loan rules

Understanding Investment Property Loan Rules in Colorado Investment property loan rules are very different from owner-occupied mortgage guidelines, and they become even more important as your rental portfolio grows. Real estate investors in Centennial, Denver, Parker, Castle Rock, and across Colorado often ask how many properties they can finance, what income counts, and when conventional…

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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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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…

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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…

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