Loan programs in Boulder
DSCR Loans in Boulder
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
InvestorFix and Flip Loans in Boulder
A fix and flip loan is short-term (usually 12–18 months), interest-only financing that covers most of a distressed property’s purchase price and up to 100% of renovation costs, repaid when you sell or refinance.
InvestorDSCR Cash-Out Refinance in Boulder
A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.
InvestorShort-Term Rental (Airbnb) DSCR Loans in Boulder
A short-term rental DSCR loan qualifies a vacation rental on its nightly-rental income, using 12 months of booking history or a third-party projection such as AirDNA, instead of a long-term lease.
Home loanBank Statement Loans in Boulder
A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.
Home loanFHA Loans in Boulder
An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.
Home loanFirst-Time Homebuyer Loans in Boulder
First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.
Home loanVA Loans in Boulder
A VA loan is a mortgage guaranteed by the Department of Veterans Affairs that lets eligible veterans, active-duty service members and certain surviving spouses buy with no down payment and no monthly mortgage insurance.
Home loanCondo Loans in Boulder
A condo loan is a mortgage on a unit in a condominium project, and approval depends on the building as well as the buyer.
Neighborhoods in Boulder
- Downtown Boulder
- University Hill
- North Boulder
- Chautauqua
- Table Mesa
Why borrowers look at Boulder
Boulder combines a world-class university, a dense tech and startup ecosystem, and unmatched mountain access, all inside a city with famously tight growth controls. The result is one of Colorado's priciest housing markets: historic homes near Chautauqua, student rentals around University Hill, and upscale neighborhoods like Table Mesa and North Boulder. CU Boulder guarantees deep rental demand, though it skews seasonal. Investors face high entry costs and should underwrite carefully; this is an appreciation-driven market. Wildfire exposure near the foothills makes insurance the single most important quote to secure before committing. Strict growth limits mean new supply stays scarce, which underpins long-term values despite high entry prices.
Local market snapshot: Boulder
| Median home value | $1,039,500City of Boulder · Source: U.S. Census Bureau, American Community Survey 5-year estimates |
|---|---|
| Median gross rent | $2,018/moCity of Boulder · Source: U.S. Census Bureau, American Community Survey 5-year estimates |
| Effective property tax rate | 0.55% (approx.)Boulder County, effective rate (approx.) · Source: SmartAsset, Colorado Property Tax Calculator |
Homeowners insurance: Wildfire risk is the defining insurance factor in Boulder, especially near the foothills, and some carriers have tightened underwriting. Secure quotes early in your search and ask about mitigation discounts for defensible space.
Figures are the most local reliable public data available (city, then county, then statewide), each labeled above. They are context for your payment estimate, not a quote, run your scenario through our payment calculator.
Before you buy or refinance in Boulder
- Pull the Boulder County property tax bill early; it is part of every payment and DSCR calculation.
- Get an insurance quote before you lock a price.
- For rentals, check rent comps and any local rental registration or short-term rental rules in Boulder.
- Colorado charges a small state documentary fee on deeds (1¢ per $100). Short-term rental rules vary sharply by city, so DSCR loans on STRs need a local permit check first.
Run the numbers
- DSCR Calculator
- Fix and Flip Profit Calculator
- Mortgage Payment Calculator
- Home Affordability Calculator
Other Colorado cities
- Denver
- Colorado Springs
- Aurora
- Fort Collins
- Lakewood
- Thornton
- Westminster
- Pueblo
- Greeley
- Longmont
- Castle Rock
- Grand Junction
- Loveland
- Centennial
- Arvada
- Highlands Ranch
- Broomfield
- Commerce City
- Parker
FAQ
What loans can I get in Boulder, CO?
Investor loans (DSCR, fix and flip, cash-out, short-term rental) and owner-occupied home loans (bank statement, FHA, VA, conventional and more).
Who assesses property taxes in Boulder?
Boulder County. Lenders include those taxes in the monthly payment used to qualify you.