loan types
dscr investor loans
Colorado

DSCR Investor Loans in Colorado

Self-employed borrowers in Colorado qualify using 12 to 24 months of bank deposits instead of tax returns. Business owners, contractors, and freelancers whose returns show aggressive deductions use bank statement programs to document the income they actually earn.
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No tax returns. No W‑2s. Qualify on rental income.

Bank Statement Calculator

Gross monthly rent ÷ total monthly payment (PITIA)
The market rent used for qualification. Lenders pull this from an appraisal rent schedule (Form 1007) for purchases or the current lease for refinances. Use the lower of the two if both exist.
Principal, interest, taxes, insurance, and association dues (if applicable). Includes the full housing payment, not just principal and interest. Flood insurance counts if required.
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DSCR
0.00
0.00
1.00
1.50+

Meets theLender’s minimum 1.00 DSCR.

Estimate only. theLender’s minimum debt service coverage ratio is 1.00, calculated as gross rents divided by PITIA. Final qualification depends on full underwriting, credit, and property review.

Bank statement loans provide Colorado borrowers with an alternative qualification method that uses bank deposits rather than tax returns to verify income.

Self-employed borrowers, real estate investors, and gig workers benefit from this documentation approach when traditional income verification creates obstacles to loan approval.

Non-QM lenders evaluate personal and business bank statements to calculate qualifying income, applying expense ratios to determine net cash flow for debt-to-income calculations. Colorado borrowers can access these programs for primary residences, second homes, and investment properties, with loan amounts reaching into the millions for qualified applicants. The underwriting process focuses on cash flow patterns and deposit consistency rather than W-2 income or tax return documentation.

theLender offers bank statement loans using 12 or 24 months of personal or business bank statements for income verification.