All Programs and Guides on Investor Loans Colorado
Every guide on this site, one screen. Program pages carry the mechanics; metro and resort pages carry the local numbers and rules; all figures are dated and registry-verified.
Loan programs
- DSCR loans: qualify on the property's rent; no tax returns; LLC-friendly.
- Investor cash-out refinance: cheap to transact (no general transfer tax); BRRRR seasoning timelines.
- Short-term rental loans: Airbnb/VRBO financing with honest income lanes and a mountain seasonality adjustment.
- LLC + series LLC lending: close in the entity; Colorado authorizes protected series LLCs.
- Portfolio + 2–4 unit + foreign national + landlord law: the 10-loan conventional cap and what's past it.
- Bank-statement loans: self-employed qualifying from deposits after an expense factor.
- 1031 replacement financing: closing inside the 45/180-day clocks.
Market guides
- Denver metro: deepest market, entity-heavy, owner-occupied-only STR.
- Colorado Springs: lower entry, owner and non-owner STR permits.
- Mountain resorts: basin caps, condotels, seasonality, well and septic.
Colorado reference
- The STR tax truth: why Colorado did NOT reclassify Airbnbs as commercial property.
- STR rules by city: the nine-jurisdiction status table, verified July 2026.
- Rental property taxes: the ~0.5% effective rate, the exemption, and the metro-district trap.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal or tax advice. City and county STR rules, tax figures, and filing fees change; verify current requirements with the city or county, the HOA or metro district, your CPA, or a Colorado real estate attorney before you buy. Loans are subject to buyer and property qualification.