Colorado DSCR Loan Calculator
Screen a Colorado rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Colorado; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Colorado DSCR assumptions
The calculator seeds Colorado with a starting property value of $540,000.00, starting rent of $1,750.00, annual property tax based on a 0.5% effective rate, and estimated annual insurance of $5,543.00.
STR note: Denver requires owner occupancy for STR licensing (no pure investor STRs in Denver). Breckenridge, Vail, and mountain resort towns have caps or lotteries on STR licenses. Mountain town STR restrictions are actively changing. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Denver Metro (liquidity, job market, hybrid). Colorado Springs/El Paso County (military-adjacent, cash flow + appreciation). Pueblo (most affordable CO cash flow market). Fort Collins/Larimer County (CSU university town, strong rental demand). Grand Junction (western slope, affordable).
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