A DSCR loan in Colorado is sized on the property's rent against its full monthly payment — principal, interest, taxes, insurance and any HOA. The program does not change by state; what changes is the tax and insurance line inside that ratio, the closing table and the legal process behind the lien. Here is what is specific to Colorado.
Silt's terms do not change at the state line. The term sheet reflects the property, the file and the supported value.
Loan amounts
$200K – $10M
Rates from
5.75%
Max LTV
80% purchase · 75% cash-out
Amortization
30-year
Minimum DSCR
1.00
Qualifies on
Property rent, not personal income
WHAT IS SPECIFIC TO COLORADO
Colorado facts that touch this loan
Foreclosure. Colorado is listed as a non-judicial-foreclosure jurisdiction: a power-of-sale clause in the deed of trust or mortgage lets the sale proceed without a court judgment, following the statutory notice steps. County public-trustee guidance identifies C.R.S. §38-38-101 as the commencement/documentation statute for public-trustee foreclosure. Do not characterize Colorado power-of-sale foreclosure as necessarily free of court authorization. [1][2]
Title company or attorney escrow agent. Colorado’s Division of Real Estate identifies a title company or attorney hired to handle the closing as an escrow agent. This supports both settlement channels, not a mandatory attorney-only classification. [3]
Odd-year revaluation. Colorado revalues real property in odd-numbered years; residential valuation uses comparable sales. Underwrite the applicable valuation cycle rather than assuming each sale automatically resets value to its price. [4]
Foreign authority is activity-dependent. A foreign entity can obtain authority to transact business by filing a Statement of Foreign Entity Authority. The Secretary of State directs entities to C.R.S. § 7-90-801 to determine whether their activities require authority. [5]
Denver primary-residence license. Denver requires a short-term rental license and limits STRs to the host’s primary residence. The license number must appear on advertisements. This is a Denver city rule, not a metro-wide permission for investor rentals. [6]
Statutory documentary fee and payer. C.R.S. §39-13-102 charges a documentary fee of $0.01 per $100 or major fraction of consideration when consideration exceeds $500. The person offering the instrument for recording pays the county recorder; the statute does not categorically assign it to buyer or seller. [7]
Foreign authority filing fee. Colorado SOS lists the online Foreign Entity Authority Statement filing fee at $100, separate from later periodic reports. [8]
Residential nonpayment notice and exceptions. Colorado’s current JDF 99 A court form lists nonpayment demand periods of 10 days for residential agreements, 5 for exempt residential agreements, 3 for employer-provided housing and 30 for CARES Act property, citing §13-40-104(d). Ten days is not universal. [9]
DSCR · GET MY NUMBER
LARGEST METRO AREAS
Where Colorado's population is
By Census Bureau population estimates, Vintage 2025 (July 1, 2025). Silt lends statewide — these markets are not a limit. Metros are ranked by full-area population among those listing this state first in the Census name; Washington is also included for Virginia and Maryland. Interstate totals are not state-only populations. [10]
Denver-Aurora-Centennial, CO
Colorado Springs, CO
Greeley, CO
Fort Collins-Loveland, CO
Boulder, CO
FAQ
DSCR in Colorado: questions investors ask
Does Silt make dscr loans in Colorado?
Yes. Colorado is one of the states Silt lends in, and the dscr program covers 1–10 unit rentals, long-term or short-term, purchase or refinance.
Is Colorado a judicial or non-judicial foreclosure state?
Colorado is listed as a non-judicial-foreclosure jurisdiction: a power-of-sale clause in the deed of trust or mortgage lets the sale proceed without a court judgment, following the statutory notice steps. County public-trustee guidance identifies C.R.S. §38-38-101 as the commencement/documentation statute for public-trustee foreclosure. Do not characterize Colorado power-of-sale foreclosure as necessarily free of court authorization.
Do dscr terms change in Colorado?
No. The program terms are the same in every state Silt lends in: loan amounts $200K – $10M; max ltv 80% purchase · 75% cash-out; amortization 30-year; minimum dscr 1.00; qualifies on Property rent, not personal income. The final term sheet reflects the property and the file.
Can I close in an LLC in Colorado?
Every Silt loan closes in an LLC or corporation, never a personal name. A foreign entity can obtain authority to transact business by filing a Statement of Foreign Entity Authority. The Secretary of State directs entities to C.R.S. § 7-90-801 to determine whether their activities require authority.
What closing taxes should I budget in Colorado?
C.R.S. §39-13-102 charges a documentary fee of $0.01 per $100 or major fraction of consideration when consideration exceeds $500. The person offering the instrument for recording pays the county recorder; the statute does not categorically assign it to buyer or seller.
Will you pull my credit to quote?
No. Quoting is free and takes no credit pull. Credit is pulled only when you want a written term sheet, and it sets the pricing tier.
Estimates on this page are not a commitment to lend. State facts reviewed October 2026; laws and rates change — confirm with your title company or attorney.