Loan programs in Denver
DSCR Loans in Denver
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 Denver
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 Denver
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 Denver
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 Denver
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 Denver
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 Denver
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 Denver
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 Denver
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 Denver
- Capitol Hill
- Cherry Creek
- LoDo
- Washington Park
- Highland
- Five Points
Why borrowers look at Denver
Denver, the Mile High City, is the economic and cultural hub of the Mountain West, with strength in tech, aerospace, healthcare, and energy. Neighborhoods range from Capitol Hill's historic apartments and Cherry Creek's luxury homes to LoDo lofts, Washington Park bungalows, and the redeveloped Central Park area. Young professionals and relocating workers keep demand intense, and prices run well above the national median. Buyers face stiff competition for well-located homes and should lean on strong pre-approvals. Colorado's famously low property taxes help monthly payments, but hail-driven insurance costs have risen sharply and deserve a line in every budget. Expanding light-rail and transit corridors are steadily reshaping commute patterns and neighborhood demand across the city.
Local market snapshot: Denver
| Median home value | $616,000City of Denver · Source: U.S. Census Bureau, American Community Survey 5-year estimates |
|---|---|
| Median gross rent | $1,831/moCity of Denver · Source: U.S. Census Bureau, American Community Survey 5-year estimates |
| Effective property tax rate | 0.48% (approx.)Denver County (City and County of Denver), effective rate (approx.) · Source: SmartAsset, Colorado Property Tax Calculator |
Homeowners insurance: Denver sits in Hail Alley along the Front Range, so roof age and material dominate homeowners pricing. Many carriers now settle older roofs at depreciated value; verify the roof and get quotes during due diligence.
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 Denver
- Pull the City and County of Denver 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 Denver.
- 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
- Colorado Springs
- Aurora
- Fort Collins
- Lakewood
- Thornton
- Westminster
- Pueblo
- Boulder
- Greeley
- Longmont
- Castle Rock
- Grand Junction
- Loveland
- Centennial
- Arvada
- Highlands Ranch
- Broomfield
- Commerce City
- Parker
FAQ
What loans can I get in Denver, 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 Denver?
City and County of Denver. Lenders include those taxes in the monthly payment used to qualify you.