Mortgage Products Colorado

Considering an Investment Property Loan?

Investment properties are a great way to generate passive income. But when it comes to investment property loans, they often require a larger down payment, higher credit score, and greater liquid reserve than loans for primary residences.

In Colorado, there are various types of investment property loan options available such as FHA, Conventional, non-QM and commercial loan options. Depending on the lender, you may also be required to have mortgage reserves or savings to cover at least six months of mortgage payments for all accumulated mortgage debt.

If you are considering investing in real estate in Colorado, make sure you understand the different investment property loan options available and their associated requirements before taking the plunge.

Required Down Payments for each loan category
Investment Property Matrix
Units Transaction Type Maximum LTV Loan Amount
Conventional
1 - 4 Purchase 70 $1,000,000
1 - 4 Refinance Cash Out 65 $1,000,000
Investors can apply for a traditional loan which typically requires 2 years of tax returns.
Alternative Income & No Doc
1 Purchase or Refinance 85 $1,000,000
1 Refinance Cash Out 75 $1,000,000
2 - 4 Purchase or Refinance 80 $1,000,000
2 - 4 Refinance Cash Out 75 $1,000,000
Investors have the option to use the bank statement or DSCR loan. No tax returns required.
Fix & Flip
1 - 4 Purchase 85 $1,500,000
Investors provide their rehab and sell experience and funds to close. No tax returns required.
Private Money
1 - 4 Purchase or Refinance 65 $1,500,000
1 - 4 Refinance Cash Out 60 $1,000,000

If you're looking to invest in property in Colorado, it's important to stay well informed of the rental market and its trends. Colorado's real estate market is projected to continue its growth in 2023, with rental rates expected to increase by as much as 5%.

This means that investment properties are a great option for investors looking for long-term returns.

Eligible Property types

  • Single Family Home
  • Condominium
  • Townhome
  • Duplex
  • Triplex
  • Fourplex
  • Apartment Building
  • Mixed-use Residential
  • Commercial Property

 

We have loans for

  • Real Estate Investors
  • Foreign (International) Home Buyers

This is not a commitment to lend. All loans are subject to underwriting approval.