DSCR Loans in Adams County, Colorado
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 148 lenders made 587 investment-property loans in Adams County, 7.1% of Colorado's total. Dominick Prevete arranges DSCR loans across Adams County, Colorado, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $445,000.
Adams County investor market at a glance
| Statistic | Adams County | Colorado | County rank |
|---|---|---|---|
| Investor loans | 587 | 8,274 | 5th of 15 |
| Reporting lenders | 148 | 514 | 5th of 15 |
| Loan volume | $193.6M | $3.80B | 7th of 15 |
| Average loan | $330K | $460K | 11th of 15 |
| Median loan | $325K | $355K | 11th of 15 |
| Purchases | 61.2% | 60.1% | 10th of 15 |
| Cash-out refinances | 19.1% | 17.7% | 5th of 15 |
| 2–4 unit properties | 5.3% | 9.4% | 11th of 15 |
| Top five lenders' share | 32.2% | 23.9% | 4th of 15 |
| Reported business-purpose | 72.9% | 69.2% | 4th of 15 |
Adams County: closed-end loans on 1–4 unit investment properties. Adams County's rank is highest first, among Colorado's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Adams County's investor loans.
What stands out in Adams County
Adams County's 587 investor loans ranked 5th of Colorado's 15 counties with published data.
Does a DSCR loan pencil in Adams County?
At HUD's fair market rent of $2,846 for a 3-bedroom in Adams County, Colorado, a rental covers its full DSCR payment up to a purchase price of about $445,000, with 20% down at the 7.25% starting rate (November 2026). Adams County's median home value is $484,200; at that price the payment is $3,091 a month, so the property would need $3,100 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $2,169 / $2,846 / $3,183 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $484,200 |
| Median property taxes and effective rate | $2,962 (0.61% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,091 |
| Rent needed to cover that payment | $3,100 |
| Coverage of a 3-bedroom at fair market rent | 0.92 |
| Highest price a 3-bedroom at fair market rent covers | about $445,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Adams County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Adams County?
The most active investment-property lenders in Adams County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; PANORAMA MORTGAGE GROUP, LLC; and FirstBank, out of 148 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including two that reported in Adams County, and matches each file to the one most likely to fund it.
Adams County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 587 loans and $193.6M from 148 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Adams County with 68 loans, 11.6% of the county's total, and the average Adams County loan of $330K compares with $460K across Colorado.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 68 | $21.3M | $314K | 45.6% |
| PANORAMA MORTGAGE GROUP, LLC | 55 | $12.4M | $225K | 100.0% |
| FirstBank | 28 | $9.8M | $349K | 78.6% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 20 | $6.9M | $347K | 100.0% |
| THE LOAN STORE, INC. | 18 | $6.6M | $368K | 38.9% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 17 | $6.3M | $370K | 94.1% |
| LENNAR MORTGAGE, LLC | 16 | $5.7M | $356K | 100.0% |
| Kiavi Funding, Inc. | 13 | $4.4M | $336K | 92.3% |
| Rocket Mortgage, LLC | 12 | $3.8M | $317K | 41.7% |
| OCMBC, INC. | 12 | $3.4M | $285K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 10 | $3.8M | $383K | 60.0% |
| CHAMPIONS FUNDING, LLC | 8 | $2.8M | $348K | 37.5% |
| GUILD MORTGAGE COMPANY | 8 | $2.3M | $291K | 62.5% |
| AMERITRUST MORTGAGE CORPORATION | 7 | $2.2M | $311K | 28.6% |
| MORIA DEVELOPMENT, INC. | 7 | $2.0M | $281K | 28.6% |
| KIND LENDING, LLC | 7 | $1.8M | $264K | 42.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $1.8M | $259K | 71.4% |
| NEWREZ LLC | 6 | $2.7M | $455K | 50.0% |
| NexBank | 6 | $2.6M | $442K | 66.7% |
| AMERICAN HERITAGE LENDING, LLC | 6 | $2.0M | $328K | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 5 | $2.6M | $529K | 100.0% |
| Loandepot.Com, LLC | 5 | $2.3M | $465K | 60.0% |
| FlexPoint, Inc. | 5 | $1.9M | $383K | 0.0% |
| NEXERA HOLDING LLC | 5 | $1.9M | $379K | 0.0% |
| AMWEST FUNDING CORP. | 5 | $1.6M | $315K | 40.0% |
77 Colorado loans (0.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Adams County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Adams County CSV, all 25 lenders
What Adams County's table can't show you: fit. Short-term financing is exempt from HMDA, so Adams County's fix-and-flip and bridge lenders barely appear among its 148 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Adams County, Colorado deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Adams County, Colorado property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Adams County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 148 lenders and 587 loans: 2025 HMDA loan-level data rolled up to Adams County.
- Adams County investor-lender dataset (CSV) — All 25 lenders in the Adams County, Colorado table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Adams County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Denver-Aurora-Centennial, CO MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Adams County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.