DSCR Loans — Fort Collins, CO
Fort Collins' booming rental market—driven by 34,000 CSU students and a growing tech workforce—makes it prime territory for DSCR loans. Qualify based on rental income, not personal tax returns, and build your investment portfolio in Larimer County.
Apply for a DSCR Loan
Colorado State University's 34,000-student enrollment creates year-round rental demand that most markets can only dream of. Properties near campus—particularly duplexes and small multifamily units along Laurel Street, Elizabeth Street, and the Mason Trail corridor—consistently achieve occupancy rates above 95 percent. A well-positioned 3-bedroom unit near campus can rent for $1,800–$2,400 per month, often generating DSCR ratios of 1.2 to 1.5.
DSCR loans are purpose-built for this market. Unlike conventional investment property loans that require extensive income documentation, W-2s, and tax returns, DSCR financing qualifies you based solely on the property's ability to service its own debt. If the monthly rent covers the mortgage payment at a 1.0 ratio or better, you're likely approved—regardless of how many properties you already own or how complex your personal tax situation is.
Beyond the CSU corridor, Fort Collins' tech sector—anchored by Hewlett Packard Enterprise, Broadcom, and a growing startup scene—fuels demand for professional rentals in neighborhoods like Fossil Creek, Rigden Farm, and the Harmony Road corridor. These single-family rentals command $2,200–$3,000 per month and attract long-term tenants, making them excellent DSCR candidates.
No Income Docs
No W-2s, tax returns, or pay stubs required
1.0+ DSCR Required
Rent must cover the mortgage payment
Unlimited Properties
No cap on the number of financed properties
LLC Ownership
Close in an LLC or entity name for asset protection
Calculate your estimated monthly mortgage payment including taxes and insurance
Qualification is based on the property's rental income vs. mortgage payment. A DSCR of 1.0+ means rent covers the payment. No personal income docs needed.
Yes. Student housing near CSU commands strong rents and often generates DSCR ratios well above 1.0.
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