Colorado DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
Colorado (CO) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Colorado utilize Non-Judicial (Public Trustee System) security instruments, with an average non-homestead effective property tax rate of 0.51%, a median 1–4 unit investment home price of $535,000 (median rent $3,650/mo), and 5+ unit multifamily market rents averaging $1,980/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Non-Judicial (Public Trustee System)EFFECTIVE PROPERTY TAX
0.51% Avg ($227/mo)MEDIAN 1–4 UNIT PRICE & RENT
$535,000 · $3,650/mo5+ UNIT MULTIFAMILY RENT
$1,980/door/moColorado Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine
Price/Door: $535,000·Loan/Door: $401,250·Avg Rent/Door: $3,650/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.22xCanonical:
122 bps · 7500 bps LTV · 6625 bps RateStandard Multifamily / DSCR Pass (1.15x–1.24x)
Loan Amount (75% LTV)$401,25040,125,000 _cents
Monthly P&I Debt Service$2,569/mo@ 6.625% Note Rate
Total Monthly PITIA$2,984/moTax: $227 · Ins: $187
Net Monthly Cash Flow+$666/mo$7,993/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $2,984/mo | 1.22x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $3,051/mo | 1.20x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $2,755/mo | 1.32x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.
Colorado Cities with Population ≥ 50,000 (19 Markets)
Click any Colorado city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (CO) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Denver, CO → | DENVER County County | 707,950 | 0.52% | $675,000 | $4,550/mo | $2,475/door |
| Colorado Springs, CO → | EL PASO County County | 479,476 | 0.55% | $605,000 | $4,100/mo | $2,225/door |
| Aurora, CO → | ARAPAHOE County County | 376,925 | 0.52% | $620,000 | $4,200/mo | $2,275/door |
| Fort Collins, CO → | LARIMER County County | 165,746 | 0.49% | $530,000 | $3,650/mo | $2,000/door |
| Lakewood, CO → | Lakewood Metro County County | 160,463 | 0.5% | $570,000 | $3,900/mo | $2,125/door |
| Thornton, CO → | ADAMS County County | 138,821 | 0.5% | $475,000 | $3,300/mo | $1,775/door |
| Arvada, CO → | JEFFERSON County County | 121,761 | 0.48% | $495,000 | $3,400/mo | $1,850/door |
| Westminster, CO → | ADAMS County County | 120,930 | 0.49% | $500,000 | $3,450/mo | $1,875/door |
| Pueblo, CO → | PUEBLO County County | 117,991 | 0.51% | $515,000 | $3,500/mo | $1,900/door |
| Centennial, CO → | Centennial Metro County County | 115,664 | 0.5% | $475,000 | $3,300/mo | $1,775/door |
| Boulder, CO → | BOULDER County County | 112,451 | 0.49% | $500,000 | $3,450/mo | $1,875/door |
| Greeley, CO → | WELD County County | 105,228 | 0.53% | $525,000 | $3,550/mo | $1,950/door |
| Longmont, CO → | BOULDER County County | 98,012 | 0.51% | $545,000 | $3,700/mo | $2,000/door |
| Loveland, CO → | LARIMER County County | 77,754 | 0.49% | $500,000 | $3,450/mo | $1,875/door |
| Grand Junction, CO → | MESA County County | 65,158 | 0.5% | $475,000 | $3,300/mo | $1,775/door |
| Broomfield, CO → | BROOMFIELD County County | 64,823 | 0.51% | $485,000 | $3,350/mo | $1,800/door |
| Castle Rock, CO → | DOUGLAS County County | 57,839 | 0.51% | $545,000 | $3,700/mo | $2,000/door |
| Commerce City, CO → | ADAMS County County | 54,281 | 0.51% | $515,000 | $3,500/mo | $1,900/door |
| Parker, CO → | DOUGLAS County County | 52,983 | 0.52% | $520,000 | $3,550/mo | $1,925/door |