Colorado offers something many international investors want: stable rental demand anchored by major employment hubs, plus a deep pool of long-term renters in the Front Range corridor. For foreign nationals, the friction is rarely “Can I find a property?” The friction is “Can I qualify for a mortgage without building a US income and credit footprint first?”
Conventional loans care a lot about your W-2s, tax returns, etc
DSCR loans care a lot about the property’s income potential and the full monthly payment.
Where this becomes especially practical for foreign nationals is that DSCR underwriting is built to evaluate the asset and the cash flow story, rather than forcing the file into conventional US credit and US income documentation patterns.
Colorado DSCR Loan Snapshot
No US Credit History
US Income and Credit History Not Required
Minimum Down Payment
25%
Maximum Loan Amount
$10M
Fast Track Closing
27 Days
Colorado DSCR Loan Program Terms
Feature
HomeAbroad DSCR Loan
DSCR Ratio
Best terms typically apply at DSCR ≥ 1.0. If DSCR is below 1.0, the loan may still be eligible with a higher down payment. Our No-Ratio DSCR option (DSCR 0 to 1) can support foreign national investors buying properties with clear income upside, even when the property’s rent does not fully cover the monthly payment.
US Credit Score
Not required for foreign nationals
Loan Amount
$100K – $10M
Down Payment
25%
LTV
Up to 75% (Purchase) Up to 75% (Rate and Term Refi) Up to 70% (Cash-Out Refi)
“DSCR is not a loophole and it is not a shortcut. It is a different underwriting question: does this property carry itself. When the rent support is solid and the payment is built correctly, DSCR becomes a very clean way to finance rentals.”
Table of Contents
How DSCR is Calculated?
DSCR underwriting starts with a simple formula:
What counts as “Gross Rental Income” for DSCR Underwriting
Market rent supported by the appraisal rent schedule (commonly used for 1 to 4-unit rentals)
Executed lease rent, when acceptable to the lender and consistent with market support
What is included in PITIA
Principal
Interest
Taxes (Colorado property taxes and applicable assessments)
Insurance (including wildfire-related costs where relevant)
Association dues (HOA), if applicable)
Example
Calculating the DSCR Ratio for a Colorado Property:
With a DSCR of 1.16, the property generated more income than its loan obligations, making it a solid investment. This number helped my investor secure financing, knowing the property had a positive monthly cash flow of $350. After working through the numbers together, he successfully closed on the property and is now generating steady rental income.
However, not all properties will meet this threshold, so we also offer our No-Ratio DSCR Program for properties with a DSCR between 0 and 1. This option allows investors to still qualify for financing, but it comes with a slightly larger down payment (a 5% hit to LTV) and higher interest rates. This program focuses less on rental income and more on other factors, giving investors with strong long-term plans the opportunity to secure financing.
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Valid Passport
Current passport from your home country
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Proof of Funds
Bank statements showing down payment + 6 months reserves
Benefits of Colorado DSCR Loans
DSCR loans offer several advantages for foreign nationals investing in Colorado:
Qualification Based on Rental Income, Not Personal Income Documentation
At HomeAbroad, we do not rely on US W2s, US paystubs, or US tax returns to qualify a foreign national DSCR loan. We qualify you primarily on the property’s rental income profile and the strength of your overall file.
A Clearer Path for Foreign Nationals Building a Rental Portfolio
If you invest internationally, your income documentation and credit profile do not always translate cleanly to US conventional underwriting. DSCR tends to reduce that friction because the property drives the approval logic.
Flexibility Across Multiple Investment Strategies in One State
Colorado supports a range of rental strategies, but your financing must align with local rules. For example, Denver requires a short-term rental license for stays under 29 nights, and the property must be the host’s primary residence. That is a critical mismatch for many investor-owned short-term rental plans.
Better Alignment Between Underwriting and Real Investor Decision-making
The formula looks simple, but the nuance is in the inputs: rent validation, HOA documentation, insurance binders, and tax escrows. When those are handled early, DSCR underwriting becomes predictable.
How HomeAbroad Helped an Australian Investor Get a DSCR Loan in Colorado
David Lee, an experienced real estate investor from Australia, wanted to expand his rental portfolio with a single-family property in Denver. His goal was to acquire a high-performing asset while keeping his personal income and finances separate from the investment.
“A DSCR of 1.24 is the type of coverage investors aim for because it gives breathing room. It is not just about qualifying. It is about staying comfortable if taxes or insurance move after closing.”
By leveraging a DSCR of 1.24, the property’s income exceeded its monthly debt obligations by 24%, resulting in a strong monthly cash flow of $825. The approved DSCR loan interest rate of 7.25% helped ensure affordability and long-term return on investment.
Colorado Rental Market Overview
Colorado is a high-cost state by US standards, which makes DSCR deal selection more sensitive to rent-to-price alignment.
As per our data, the key market statistics for 2025 are:
Median gross rent in Colorado: approximately $1,693/month
Median value of housing units: around $502,200
On the pricing side, Colorado’s all-transactions house price index was 856.44 in Q3 2025, with the series updated by FRED on Nov 25, 2025.
Where We Lend DSCR Loans in Colorado
HomeAbroad provides DSCR loans throughout Colorado, offering personalized support to international real estate investors targeting high-potential markets such as Denver, Colorado Springs, Aurora, Fort Collins, and more.
Here are a few cities in Colorado where we offer DSCR Loans.
Denver
Colorado Springs
Aurora
Fort Collins
Boulder
Thornton
Arvada
Westminster
Woodland Park
Jefferson
Hartsel
Guffey
Florissant
Lake George
Breckenridge
Estes Park
Top Places to Invest in Colorado with a DSCR Loan
Colorado stands out as a prime destination for real estate investors thanks to its booming population, strong job market, and unbeatable natural appeal. From ski towns to tech hubs, the state offers a diverse mix of long-term rental demand and short-term vacation rental potential.
For foreign national investors, Colorado’s rental markets pair well with DSCR loans, as the focus remains on the property’s rental performance rather than your personal income or an established US credit history.
Here are some of the top-performing cities in Colorado to consider for your DSCR loan investment:
The investment properties shown below are pulled from the HomeAbroad property-search platform and can change daily. Review each listing’s rent assumptions, cash flow, and DSCR inputs before you underwrite an offer.
“Denver and the surrounding metro can be very liquid, but the DSCR math is often tighter. That does not mean avoid it. It means buy with better rent support and avoid payment surprises.”
Denver: Liquidity and Tenant Depth with Condo-Friendly Options
Denver is Colorado’s most liquid investor market, with broad tenant demand and a wide range of rental inventory across single-family and condo segments. It is a market where DSCR outcomes often come down to rent support and the full payment build, especially when HOA dues are in play.
Median Home Price: $586,700 Average Rent: $1,770/month
What this means for investors: Denver’s yield is often tighter than lower-cost Colorado cities, so DSCR-backed strategies typically perform best when you buy with clean rent comps and keep HOA and insurance assumptions realistic.With one of the highest STR cap rates in the state, Palm Springs offers excellent income potential, making it ideal for maximizing DSCR leverage.
Investment Properties Listed Today on Sale in Denver
Colorado Springs: Front Range Value with Long-Term Rental Stability
Colorado Springs tends to attract long-term rental investors looking for a balance of price and rent support. It often fits DSCR financing well because the rental strategy is typically straightforward and underwriting is driven by whether the market rent cleanly covers PITIA.
Median Home Price: $420,700 Average Rent: $1,562/month
What this means for investors: High occupancy and solid ADR (Average Daily Rate) make it ideal for STR-based DSCR qualification. International real estate investors benefit from substantial returns and ease of property management, thanks to the city’s size and robust tourism infrastructure.
Investment Properties Listed Today on Sale in Colorado Springs
Fort Collins: Durable Rental Demand with Professional and Student Mix
Fort Collins is commonly evaluated as a longer-hold rental market with stable demand dynamics. DSCR underwriting tends to be cleanest when the property type has strong rent comparables and the rent schedule supports your underwriting assumption.
Median Home Price: $548,400 Average Rent: $1,661/month
What this means for investors: Fort Collins tends to reward disciplined buy-and-hold underwriting. The yield is comparable to Denver, so deal selection and rent support quality matter more than generic city averages.
Investment Properties Listed Today on Sale in Fort Collins
Aurora: Strong Rent Support Next to Denver, Often Better Yield Math
Aurora sits in the Denver metro orbit and often delivers a different DSCR profile than core Denver neighborhoods. For investors, it can be a practical long-term rental market where rent coverage can look stronger relative to typical pricing.
Median Home Price: $444,500 Average Rent: $1,759/month
What this means for investors: Aurora is ideal for long-term DSCR investors looking for affordability near Denver. Its diverse tenant base and rising rents make it a quiet yet solid choice for sustained income, particularly for those building a US rental portfolio remotely.
Investment Properties Listed Today on Sale in Aurora
Boulder: Premium Pricing with Lower Yield, Best for Select Strategies
Boulder is a premium-priced market where DSCR deals can still work, but the rent-to-price relationship is often tighter. This usually means DSCR strategies need cleaner margins and a higher bar for property selection.
Median Home Price: $982,600 Average Rent: $1,924/month
What this means for investors: Boulder’s gross yield estimate is lower, so DSCR approvals and ongoing cash flow typically rely on careful leverage, strong rent support, and conservative payment assumptions.
Investment Properties Listed Today on Sale in Boulder
Colorado Specific DSCR Underwriting Factors that Investors Overlook
1) Short-term rental rules can invalidate your income assumption
If your pro forma depends on short-term rental income, you need to confirm legality and licensing requirements before you underwrite the deal. Denver is explicit: stays under 29 nights require a short-term rental license and the property must be your primary residence.
Many investors are not planning to owner-occupy, which means a long-term rental model may be the only financeable path for that property in that location.
2) Colorado property tax mechanics can affect escrow and DSCR sensitivity
Colorado’s residential assessment structure can change, and 2025 is a clear reminder of that. The Colorado Division of Property Taxation published 2025 final residential assessment rates of 6.25% (local government) and 7.05% (schools), noted as in place for 2025 only.
The reason this matters is simple: if your taxes are higher than you modeled, your escrowed PITIA rises, and your DSCR can drop below your target.
3) Insurance is not a “plug number” in Colorado
Colorado’s insurance market has been under pressure in hazard-exposed regions. A Colorado State University REDI report noted that premiums “increased 58% from 2018 to 2023,” tying the trend partly to rising wildfire-related property damage.
Colorado also has a FAIR Plan positioned as an insurer of last resort when traditional insurance is unavailable, with higher premiums and limited coverage.
For DSCR underwriting, insurance is not just a cost. It can be an approval condition.
4) HOA realities in condo-heavy or amenity-heavy communities
HOA dues are a direct input into PITIA for DSCR purposes. In practice, this is where DSCR deals break: a “fine” rent number becomes “not fine” once HOA and insurance land.
5) Appraisal rent schedule quality matters more than investor projections
Technically speaking, DSCR is only as strong as the rent that can be supported by market evidence. If the rent schedule comes in below your expectation, your DSCR drops immediately. Plan for this by using conservative rent assumptions and solid comparables when you evaluate the property.
Strategic & Future Considerations for Foreign Nationals Investing in Colorado
Colorado offers strong fundamentals for international real estate investors utilizing DSCR loans, including landlord-friendly laws, diverse markets, and consistent population growth. However, long-term success requires navigating shifting regulations, market patterns, and regional development.
Here’s what global investors must consider when evaluating future-oriented opportunities across the state.
1) Entity Setup and Banking Should Match the Operating Plan
Colorado’s Secretary of State instructions also emphasize using the entity’s true name as formed in its home jurisdiction, with an assumed name if the true name is unavailable in Colorado.
2. No Legal Barriers to Foreign Ownership
Colorado currently imposes no restrictions on foreign nationals purchasing residential or investment property. Buyers may buy under their name or through a US LLC, with no state-imposed residency or visa requirements. However, like other states, Colorado has seen growing political interest in regulating foreign ownership of land, particularly farmland and water-access properties.
Foreign national investors, especially those buying rural land, should stay aware of potential future regulatory shifts and always consult a real estate attorney familiar with international transactions.
3. Green Building and Energy Codes Are Reshaping Property Values
Colorado is emerging as a national leader in energy-efficient housing, with cities such as Denver, Boulder, and Aspen implementing stringent building performance standards. Future resale value and tenant demand will increasingly depend on energy performance ratings, solar-readiness, and efficient HVAC systems.
For foreign DSCR investors, targeting properties that already meet or exceed energy codes helps control long-term costs and improves financing eligibility, especially as lenders and tenants prioritize sustainability.
Colorado DSCR Loan FAQs
Can foreign nationals apply for DSCR loans in the state of Colorado?
Yes, foreign nationals can apply for DSCR loans in Colorado through HomeAbroad, eliminating the need for a US credit score, making it a flexible financing option for global investors.
What are the interest rates for DSCR loans in Colorado?
DSCR loan interest rates vary based on market conditions, borrower profiles, and property type, but are typically higher than conventional loan rates. However, HomeAbroad offers competitive rates that enable investors to leverage property cash flow to achieve better returns.
How long does it take to get a DSCR loan in Colorado?
At HomeAbroad, we streamline the application process to ensure a smooth experience from loan application to closing. We guarantee that the closing will happen within 30 days.
About the author:
Steven Glick is the Director of Mortgage Sales at HomeAbroad and has over a decade of experience in the mortgage industry. As a licensed mortgage originator (NMLS# 1231769), Steven brings deep expertise in loan processing, sales operations, and non-traditional mortgages.
* Scenario-based rate shown for illustrative purposes. Reflects current pricing available to qualified borrowers with strong credit, low loan-to-value, qualifying DSCR, and selected loan terms. Actual rates vary by borrower, property, and market conditions. Not a commitment to lend. Foreign national DSCR pricing may differ from U.S. borrower programs.
Colorado Investment Properties On Sale
Build wealth with HomeAbroad DSCR loans across Colorado’s top markets.
Our streamlined digital process gets you from application to funding faster than traditional lenders.
1
Get Pre-Qualified
Submit a quick online application. No credit pull required for initial quote.
⏱ 5 minutes
2
Submit Documents
Upload property details, lease agreements, and basic ID verification.
⏱ Same day
3
Property Appraisal
We order an appraisal and a rent schedule to confirm DSCR qualification.
⏱ 5–7 days
4
Close & Fund
Sign closing documents and receive your funds. Remote closing available.
⏱ 27 days total
Why Investors Choose HomeAbroad
DSCR Loan Experts
We focus on DSCR investor loans. Expect clear cash flow math, rent documentation, and underwriting that reflects how rental properties are evaluated.
Foreign National Mortgage Experts
No US credit? No problem. At HomeAbroad, our expert loan officers can still qualify you for a DSCR loan. We do not rely on US income or tax returns to underwrite your loan.
AI-Powered Property Search Platform
Our investment property search helps you shortlist rentals that fit DSCR qualification. Screen for rent strength, yield, and investor criteria before you write the offer.
End-to-End Support
We keep the process moving, from LLC formation to bank accounts, insurance to property management. Everything is handled by us so you can focus on growing your portfolio.
Why Choose Us
Built for Foreign Real Estate Investors
HomeAbroad is a one-stop shop for global investors, from finding properties to securing financing, setting up your LLC, opening a US bank account, and managing your portfolio.
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Foreign National Mortgage Experts
No US credit history, income, or residency required. We've helped thousands of international real estate investors finance Colorado real estate.
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AI–Powered Property Search
Our investment property search platform helps you discover high-yield rentals across Colorado using smart algorithms.
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Fast Digital Process
Close in as fast as 27 days with our streamlined application, remote notarization [remote closing], and digital document signing.
🤝
500+ Expert Agents
Work with our network of experienced real estate agents who specialize in investment properties across Colorado.
Ready to Get Started?
Get your personalized rate quote in minutes. No credit pull, no obligation.
48
States We Lend In
27 Days
Average Close Time
500+
Partner Real Estate Agents
4.9 Star
Customer Rating
What Foreign Investors Say About Us
Real reviews from international investors who closed with HomeAbroad
★★★★★
“Quick response, reliable & trustworthy. HomeAbroad helped me find the perfect agent & purchase my investment property in Katy, TX. Would definitely recommend!”
RM
Rashmi Mayekar
Non-US Resident Investor • Property
★★★★★
“HomeAbroad was a game-changer! They helped me get mortgage financing and find an agent who understood my needs. I couldn’t be happier with their assistance.”
SP
Steve Papadakis
Newcomer on H1-B Visa
★★★★★
“Awesome experience in working with them. Very patient in understanding my needs as an investor and helped me with the correct loan product for me. I will recommend them and use them again.”
JB
John Bolla
Investor from New York, NY
★★★★★
“Jonet from HomeAbroad answered all my questions regarding specifics for work visa holders to purchase our first investment property in Tampa. Was patient and kind and also connect me with a real estate agent.”
Ok
Okissa
Purchased Investment Property in Tampa.
Pre-qualify for a DSCR Loan as an international investor
No U.S. credit history. No personal income verification. Qualify based on property’s rental income.
