Long-term rental financing for investment properties across Colorado — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major Colorado metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
Colorado is a sustained-growth investor state. Front Range tech + defense employment (Denver, Colorado Springs, Boulder) anchors long-term rental demand. Population inflow keeps market depth strong. Mountain STR corridors add flexibility for investors who want STR + LTR mixed strategies.
Denver and Colorado Springs anchor deep tech, aerospace, and defense employer bases (Lockheed Martin, Ball Aerospace, USSF, Northrop Grumman) that support rental demand across the Front Range.
Colorado continues to attract in-migration from higher-cost coastal metros. Rental demand along the Front Range stays deep across every metro.
Colorado ski and mountain markets host active short-term rental corridors where local zoning permits. Our DSCR program supports STR income scenarios.
Whether you're closing a single-asset SFR in a smaller Colorado market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Denver County + Aurora, Lakewood, Thornton, Westminster
El Paso County — Peterson SFB + Fort Carson demand
Larimer County — Colorado State University market
Boulder County — CU + tech corridor
Pueblo County — Southern Colorado SFR
Mesa County — Western Slope market
Northern Colorado secondary markets
Statewide coverage — send us any Colorado property
Same nationwide program, no state-specific surcharges.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 Colorado properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout Colorado — Denver Metro, Colorado Springs, Fort Collins, Boulder, Pueblo, and every other CO metro. Rates from 5.75%, up to 80% LTV.
Colorado DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every Colorado metro. High-volume markets: Denver Metro, Colorado Springs, Fort Collins, Boulder, Pueblo. Secondary markets welcome.
Colorado is a sustained-growth investor state. Front Range tech + defense employment (Denver, Colorado Springs, Boulder) anchors long-term rental demand. Population inflow keeps market depth strong. Mountain STR corridors add flexibility for investors who want STR + LTR mixed strategies.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Colorado DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every Colorado metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Colorado builders. 85% land + 85% build. $100K–$7.5M.