Disclaimer: Rate data is updated weekly. Last updated: April 14, 2026. Rates change daily — always contact lenders directly for a current quote. DSCRFinder.com does not guarantee rate accuracy from third-party lenders.
DSCR Loan Rates in Colorado — April 2026
Colorado combines a strong economy, outdoor lifestyle appeal, and significant in-migration from coastal states. Denver's tech and energy sectors, Colorado Springs' military presence, and mountain resort markets (Vail, Breckenridge, Aspen) create diverse DSCR investment opportunities.
As of April 14, 2026, the national 30-year fixed rate for primary residences is 6.40% (Bankrate). DSCR loans in Colorado typically run 7.15% to 8.75%.
April 2026 Colorado DSCR Rate Table
| Borrower Profile | DSCR | FICO | Down Payment | Rate Range | |---|---|---|---|---| | Best-qualified | 1.25+ | 740+ | 30%+ | 7.15% – 7.50% | | Strong | 1.25+ | 720–739 | 25% | 7.50% – 7.75% | | Standard | 1.0–1.24 | 680–719 | 20–25% | 7.75% – 8.25% | | Moderate | 0.75–0.99 | 660–679 | 20% | 8.25% – 8.50% | | Challenging | Below 0.75 | Below 660 | 20% | 8.50% – 8.75%+ |
Colorado DSCR Market by City
Denver Metro
Denver's strong tech, energy, and healthcare economy drives solid rental demand. Home prices have appreciated significantly, compressing DSCR ratios. Suburban markets (Aurora, Lakewood, Thornton, Arvada) offer better DSCR ratios of 1.00–1.15 than intown Denver.
Colorado Springs
Colorado Springs is one of the best DSCR markets in Colorado. Five major military installations (Fort Carson, Peterson SFB, Schriever SFB, NORAD, Air Force Academy) provide stable military tenant demand. DSCR ratios of 1.05–1.30 are achievable. Lower prices than Denver with strong rent growth.
Fort Collins
Fort Collins offers strong student rental demand (Colorado State University) and a growing tech scene. DSCR ratios of 1.00–1.20 in suburban areas.
Mountain Resort Markets (Vail, Breckenridge, Steamboat)
Premier STR markets with very high nightly rates but also very high purchase prices. Sub-1.0 DSCR for long-term rent; STR income can make these deals work. Require STR-friendly DSCR lenders.
Colorado Market Fundamentals
| Market | Median Price (SFR) | Typical Monthly Rent | Est. DSCR | |---|---|---|---| | Denver suburbs | $480,000 – $620,000 | $2,300 – $3,000 | 0.95 – 1.15 | | Colorado Springs | $350,000 – $460,000 | $2,000 – $2,600 | 1.05 – 1.30 | | Fort Collins | $440,000 – $560,000 | $2,200 – $2,800 | 0.95 – 1.15 |
Colorado Landlord-Tenant Law
- Denver rent control — Denver passed a local rent control measure; applies to most residential properties built before 2000 in the city
- Statewide: No statewide rent control beyond Denver's ordinance
- Eviction process — 10-day demand notice; typically 4–6 weeks to possession in Denver, faster in suburban courts
- Property taxes — 0.49%–0.65% effective rate, among the lowest in the US (Gallagher Amendment legacy)
Important: Denver's rent control ordinance affects investment decisions in the city of Denver. Suburban markets outside Denver city limits are not subject to this ordinance.
How to Get the Best DSCR Rate in Colorado
- Colorado Springs offers the best DSCR fundamentals in the state — military demand + affordable prices
- Denver suburban markets outperform intown Denver for DSCR ratios
- Colorado's low property taxes (under 0.65%) reduce PITIA and improve DSCR
- Mountain resort STR deals require lenders that accept AirDNA income
- Avoid Denver city limits if rent control is a concern for your strategy
Related: Current DSCR Rates April 2026 | DSCR Rates by State | DSCR Calculator | Compare Lenders
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