Longleaf Lending Denver Colorado DSCR Loans

DSCR Loans in Denver Colorado:
Modern Financing for Investors

Veteran-owned lender, offering investors DSCR Loans in Denver Colorado for no-income-verification, hassle-free long-term financing.

Modern, long-term financing solutions

Why Choose Longleaf Lending for Your Denver Colorado DSCR Loan Needs

Crafted with savvy Denver Colorado investors in mind, our Long-Term DSCR Loans enable wealth building through a diverse portfolio of rental properties. By prioritizing your investment property's rental income and cash flow metrics, we simplify the loan process. As a top DSCR lender, enjoy competitive interest rates starting at 6.5%.

No Income Verification
Our no-income-verification process eliminates traditional barriers, focusing on your investment's cash flow to qualify you for a loan. This DSCR-centered approach ensures a hassle-free experience, catering specifically to real estate investors' unique needs.
Tailored to Investment Goals
Whether you're investing in short-term vacation rentals or long-term leases, our DSCR loans are crafted to align with your strategic investment plans. This versatility ensures that whatever your goals, our financing solutions fit perfectly.
Efficiency and Speed
At Longleaf Lending, we value your time. Our Denver Colorado DSCR loan application and approval processes are optimized for efficiency, ensuring quick, smooth progress from your initial application to the final funding.
Adaptive Financing Solutions
Our financing options are as diverse as the properties you invest in. We're committed to offering flexible DSCR solutions that accommodate a wide range of property types and investor profiles.

Fast and simple

How Longleaf Lending's DSCR Loans Work

DSCR (Debt Service Coverage Ratio) loans are a type of financing used by real estate investors that focus on the income generated by the property rather than the personal income of the borrower. Here’s a simplified explanation:

Calculation.
The DSCR is calculated by dividing the property's Net Operating Income (NOI) by its total annual debt payments. NOI reflects the positive cash flow from the property after operating expenses (mortgage payment, taxes, and insurance) are subtracted.
Criteria for approval.
For Denver Colorado, we typically require a DSCR greater than 1.0, indicating the investment property generates sufficient cash flow to cover its debt obligations. A common threshold is a DSCR of 1.0 to 1.2 or higher, but it is possible to go lower.
No personal income verification.
The approval process emphasizes the property’s cash flow potential, not the borrower's personal financial situation, allowing for more accessible financing for investors.
Craftsman house

DSCR Loan Terms

Get the financing you need to build wealth with real estate in Denver Colorado using our DSCR long-term 30-year investor loans.

Terms current as of April 25, 2024

Long Term Rental Loan
Loan Value:
$75,000-$2,000,000
LTV:
Up to 80% (as is)
Interest Rate:
Starting at 6.5%
Points:
2-3
Term:
30 years
Closing Time:
As fast as 2 weeks
FICO:
600 minimum

DSCR Loan Requirements Simplified

Understand DSCR Loan Denver Colorado Requirements

Securing a DSCR Loan in Denver Colorado involves a focused evaluation of your experience, liquidity, credit score, and investment property's income potential. Here's a summary of the current requirements you should know before applying for a DSCR Loan in Denver Colorado:

DSCR Calculation:
Minimum of 0.65x
Credit Score:
600 minimum
Loan Amount:
$75,000 to $3 million
Investor Experience:
none required
US Citizenship:
not required
Documentation:
Some of the key required documents include personal ID, bank statements, entity documentation if using a company (operating agreement, EIN letter, articles of incorporation), lease agreement (if currently leased), appraisal (requrested by us), and the purchase HUD (if purchased in the last 12 months).
Occupancy:
Short or long-term rentals, vacant or occupied
Property Type:
SFR, 2-4 units, multifamily 5+ units, mixed use, or commercial
DSCR Loan Denver Colorado requirements

Designed for Denver Colorado investors

Build wealth through real estate with our DSCR Loans in Denver Colorado

Denver Colorado's Real Estate Potential: Ideal for 30-Year Rental and Long-Term DSCR Loans

Denver Colorado long term rental property loans

Nestled against the majestic backdrop of the Rocky Mountains, Denver, Colorado, beckons real estate investors with its promising opportunities and vibrant market dynamics. Amidst the bustling cityscape and thriving communities, DSCR (Debt Service Coverage Ratio) loans stand out as a beacon of financial empowerment for investors seeking to capitalize on Denver's real estate potential.

Why DSCR Loans Hold the Key to Success in Denver Real Estate

  1. Thriving Economy: Denver's economy boasts diverse sectors, including technology, healthcare, and aerospace, fostering robust job growth and driving demand for rental properties. DSCR loans provide investors with the financial flexibility to leverage this economic momentum and maximize returns on their real estate investments.
  2. Expanding Market: Denver's population continues to surge, fueled by an influx of young professionals drawn to its quality of life and recreational amenities. This population growth translates into increased demand for housing, presenting lucrative opportunities for investors to capitalize on rental properties with DSCR loans.
  3. Competitive Real Estate Landscape: Denver's real estate market is characterized by fierce competition and rising property prices. DSCR loans offer investors a competitive edge by providing access to flexible financing options tailored to their investment goals, enabling them to navigate the market with confidence.

Advantages of DSCR Loans for Denver Investors

  1. Enhanced Buying Power: By evaluating a property's income potential rather than solely relying on personal financial history, DSCR loans empower investors to amplify their buying power and acquire properties that align with their investment strategies.
  2. Risk Mitigation: Denver's real estate market, like any other, is subject to fluctuations. DSCR loans mitigate risk by ensuring that properties generate sufficient income to cover debt obligations, safeguarding investors against market volatility and enhancing the resilience of their portfolios.
  3. Portfolio Diversification: With DSCR loans, investors can diversify their portfolios across Denver's diverse neighborhoods and property types, minimizing risk exposure and maximizing long-term returns.

Unlocking Denver's Real Estate Potential with DSCR Loans

Whether you're eyeing the vibrant neighborhoods of LoDo and RiNo or the up-and-coming suburbs, Denver offers a wealth of investment opportunities waiting to be tapped. DSCR loans serve as the catalyst for unlocking these opportunities, providing investors with the financial tools and flexibility needed to thrive in one of the nation's most dynamic real estate markets.

Denver Colorado DSCR Loan frequently asked questions

How is DSCR Calculated in Denver Colorado?

How is DSCR calculated in Denver Colorado?

In Denver Colorado, the Debt Service Coverage Ration (DSCR) is calculated by dividing a property's rental income by it's expenses. In some cases another method could be used which involves dividing Net Operating Income (NOI) by the Debt Service.

Income: For simplicty purposes, you can think about the top line as the annual rental income for your investment property. In some cases a 90% factor might be applied.

Expenses: There are four main components of the expenses.

  • Principal and Interest
  • Taxes
  • Insurance
  • HOA fees

Here's an example so you can see exactly how DSCR is calculated. To keep things easy, we are assuming there is no principal payment, which you might expect with an interest only period. To learn more about how DSCR loans work, check out our detailed article.

How is DSCR calculated in Denver Colorado?

About the Longleaf Lending Team

Longleaf Lending is a veteran-owned, direct lending firm with a deep focus on the real estate market. Established in Texas, we bring over two decades of combined experience in real estate, hard money lending, and investment banking.

Funding Experience

Since 2018, we have funded over 600 hard money loans, totaling more than $125 million in loan value.

Expert Leadership

Our leadership includes co-founders Pete Underwood and Matt Weidert, who bring extensive experience from real estate investment, investment banking, and military service.

Commitment to Innovation

We are committed to providing innovative real estate solutions, with a strong focus on integrity and professionalism as a member of the American Association of Private Lenders.

For more about our journey and the dedicated team behind Longleaf Lending, visit our full About Us page.

Submit your Denver Colorado loan request today

Start your DSCR Loan funding today

Ready to propel your Denver Colorado rental project forward? Our simple loan request process is designed to get you the funding you need quickly and efficiently.

How the DSCR funding process works with Longleaf Lending

Submit our Online Form

Begin by filling out our short form. It's straightforward and only takes a minute. Provide us with some basic information about you and your project.

Get a Term Sheet in less than 24 Hours

After submitting your form, you'll receive a detailed term sheet from us within 24 hours. This term sheet will outline the terms of your loan and give you the confidence to proceed with your project.

Get Funded

Experience fast and straightforward funding. At Longleaf Lending, you'll work directly with our team throughout the entire process, from application to funding.

Applying does not affect your credit score

Apply for a Denver Colorado DSCR Loan in 60 Seconds

Begin the funding process by completing our short online form.