DSCR Loans in Eagle County, Colorado
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 68 lenders made 125 investment-property loans in Eagle County, 1.5% of Colorado's total. Dominick Prevete arranges DSCR loans across Eagle 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 $495,000.
Eagle County investor market at a glance
| Statistic | Eagle County | Colorado | County rank |
|---|---|---|---|
| Investor loans | 125 | 8,274 | 14th of 15 |
| Reporting lenders | 68 | 514 | 13th of 15 |
| Loan volume | $155.7M | $3.80B | 9th of 15 |
| Average loan | $1,246K | $460K | 1st of 15 |
| Median loan | $685K | $355K | 1st of 15 |
| Purchases | 61.6% | 60.1% | 8th of 15 |
| Cash-out refinances | 14.4% | 17.7% | 12th of 15 |
| 2–4 unit properties | 7.2% | 9.4% | 10th of 15 |
| Top five lenders' share | 30.4% | 23.9% | 9th of 15 |
| Reported business-purpose | 68.8% | 69.2% | 8th of 15 |
Eagle County: closed-end loans on 1–4 unit investment properties. Eagle County's rank is highest first, among Colorado's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Eagle County's investor loans.
What stands out in Eagle County
The average investor loan in Eagle County was $1,246K, the highest average of Colorado's 15 counties with published data (statewide: $460K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Eagle County's 125 investor loans ranked 14th of Colorado's 15 counties with published data.
Does a DSCR loan pencil in Eagle County?
At HUD's fair market rent of $3,106 for a 3-bedroom in Eagle County, Colorado, a rental covers its full DSCR payment up to a purchase price of about $495,000, with 20% down at the 7.25% starting rate (November 2026). Eagle County's median home value is $839,500; at that price the payment is $5,224 a month, so the property would need $5,225 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) | $2,607 / $3,106 / $4,357 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $839,500 |
| Median property taxes and effective rate | $3,510 (0.42% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $5,224 |
| Rent needed to cover that payment | $5,225 |
| Coverage of a 3-bedroom at fair market rent | 0.59 |
| Highest price a 3-bedroom at fair market rent covers | about $495,000 |
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 Eagle County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Eagle County?
The most active investment-property lenders in Eagle County in 2025 HMDA data were FirstBank; UNITED SHORE FINANCIAL SERVICES, LLC; and MidFirst Bank, out of 68 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 and matches each file to the one most likely to fund it.
Eagle County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 125 loans and $155.7M from 68 lenders. FirstBank led Eagle County with 18 loans, 14.4% of the county's total, and the average Eagle County loan of $1246K compares with $460K across Colorado.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| FirstBank | 18 | $10.3M | $571K | 61.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | $4.4M | $555K | 37.5% |
| MidFirst Bank | 6 | $6.2M | $1028K | 100.0% |
| ELEVATIONS | 3 | $7.5M | $2512K | 100.0% |
| Wells Fargo Bank, National Association | 3 | $5.7M | $1885K | 100.0% |
| JPMorgan Chase Bank, National Association | 3 | $4.9M | $1648K | 100.0% |
| ANB Bank | 3 | $4.7M | $1565K | 66.7% |
| Rocket Mortgage, LLC | 3 | $4.3M | $1425K | 33.3% |
| U.S. Bank National Association | 3 | $2.3M | $778K | 66.7% |
| Alpine Bank | 3 | $1.5M | $505K | 33.3% |
| Bank of America, National Association | 2 | $7.8M | $3915K | 100.0% |
| The Central Trust Bank | 2 | $7.2M | $3585K | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | $5.9M | $2940K | 50.0% |
| Hometown Equity Mortgage, LLC | 2 | $2.2M | $1095K | 100.0% |
| Morgan Stanley Private Bank, National Association | 2 | $2.1M | $1075K | 50.0% |
| Charles Schwab Bank, SSB | 2 | $1.9M | $965K | 50.0% |
| Oakstar Bank | 2 | $1.6M | $810K | 100.0% |
| LENDSURE MORTGAGE CORP. | 2 | $1.2M | $615K | 100.0% |
| GUARANTEED RATE, INC. | 2 | $1.2M | $595K | 50.0% |
| THE LOAN STORE, INC. | 2 | $1.2M | $580K | 50.0% |
| Manufacturers and Traders Trust Company | 2 | $1.1M | $570K | 100.0% |
| MEGASTAR FINANCIAL CORP. | 2 | $1.1M | $530K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | $0.9M | $440K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.8M | $415K | 50.0% |
| MidWestOne Bank | 1 | $16.8M | $16805K | 100.0% |
77 Colorado loans (0.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Eagle County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Eagle County CSV, all 25 lenders
What Eagle County's table can't show you: fit. Short-term financing is exempt from HMDA, so Eagle County's fix-and-flip and bridge lenders barely appear among its 68 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 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 Eagle County, Colorado deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Eagle 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 — Eagle County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 68 lenders and 125 loans: 2025 HMDA loan-level data rolled up to Eagle County.
- Eagle County investor-lender dataset (CSV) — All 25 lenders in the Eagle County, Colorado table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Eagle 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 Eagle County, CO.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Eagle 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.