DSCR Loans in El Paso County, Colorado
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 183 lenders made 906 investment-property loans in El Paso County, 10.9% of Colorado's total. Dominick Prevete arranges DSCR loans across El Paso 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 $360,000.
El Paso County investor market at a glance
| Statistic | El Paso County | Colorado | County rank |
|---|---|---|---|
| Investor loans | 906 | 8,274 | 2nd of 15 |
| Reporting lenders | 183 | 514 | 1st of 15 |
| Loan volume | $295.7M | $3.80B | 4th of 15 |
| Average loan | $326K | $460K | 12th of 15 |
| Median loan | $305K | $355K | 12th of 15 |
| Purchases | 59.6% | 60.1% | 13th of 15 |
| Cash-out refinances | 19.5% | 17.7% | 4th of 15 |
| 2–4 unit properties | 11.6% | 9.4% | 5th of 15 |
| Top five lenders' share | 31.1% | 23.9% | 7th of 15 |
| Reported business-purpose | 69.5% | 69.2% | 6th of 15 |
El Paso County: closed-end loans on 1–4 unit investment properties. El Paso County's rank is highest first, among Colorado's counties with at least 100 investor loans and 25 reporting lenders. Shares are of El Paso County's investor loans.
What stands out in El Paso County
59.6% of El Paso County's investor loans were purchases, the 3rd-lowest share of Colorado's 15 counties with published data (statewide: 60.1%).
Refinances are a larger share here than in most of Colorado. A DSCR refinance qualifies on the property's current rent.
El Paso County's 906 investor loans ranked 2nd of Colorado's 15 counties with published data.
Does a DSCR loan pencil in El Paso County?
At HUD's fair market rent of $2,245 for a 3-bedroom in El Paso County, Colorado, a rental covers its full DSCR payment up to a purchase price of about $360,000, with 20% down at the 7.25% starting rate (November 2026). El Paso County's median home value is $461,000; at that price the payment is $2,864 a month, so the property would need $2,875 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) | $1,621 / $2,245 / $2,574 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $461,000 |
| Median property taxes and effective rate | $1,874 (0.41% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,864 |
| Rent needed to cover that payment | $2,875 |
| Coverage of a 3-bedroom at fair market rent | 0.78 |
| Highest price a 3-bedroom at fair market rent covers | about $360,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $520,000 |
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 El Paso County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in El Paso County?
The most active investment-property lenders in El Paso County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Integrity Bank & Trust; and ENT Credit Union, out of 183 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 El Paso County, and matches each file to the one most likely to fund it.
El Paso County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 906 loans and $295.7M from 183 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led El Paso County with 101 loans, 11.1% of the county's total, and the average El Paso County loan of $326K compares with $460K across Colorado.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 101 | $30.1M | $298K | 55.4% |
| Integrity Bank & Trust | 54 | $15.5M | $287K | 94.4% |
| ENT Credit Union | 54 | $14.8M | $275K | 72.2% |
| Rocket Mortgage, LLC | 37 | $11.3M | $306K | 48.6% |
| THE LOAN STORE, INC. | 36 | $12.1M | $335K | 66.7% |
| PENNYMAC LOAN SERVICES, LLC | 28 | $10.3M | $369K | 60.7% |
| FirstBank | 24 | $9.3M | $385K | 75.0% |
| GUILD MORTGAGE COMPANY | 18 | $5.6M | $312K | 50.0% |
| NEWREZ LLC | 15 | $5.0M | $333K | 66.7% |
| PANORAMA MORTGAGE GROUP, LLC | 15 | $3.4M | $226K | 100.0% |
| GUARANTEED RATE, INC. | 14 | $4.5M | $322K | 57.1% |
| CHAMPIONS FUNDING, LLC | 13 | $5.0M | $383K | 15.4% |
| FREEDOM MORTGAGE CORPORATION | 12 | $4.5M | $378K | 58.3% |
| HOMEXPRESS MORTGAGE CORP. | 12 | $4.1M | $339K | 33.3% |
| NFM, INC. | 12 | $4.0M | $331K | 66.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | $4.5M | $411K | 45.5% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 11 | $3.7M | $339K | 90.9% |
| Kiavi Funding, Inc. | 11 | $3.4M | $309K | 72.7% |
| OCMBC, INC. | 11 | $3.2M | $293K | 36.4% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 10 | $3.1M | $309K | 90.0% |
| Bank of Colorado | 8 | $2.7M | $334K | 100.0% |
| NBH Bank | 8 | $2.6M | $325K | 50.0% |
| Loan Funder LLC | 8 | $2.5M | $309K | 0.0% |
| BoxCar Mortgage, LLC | 8 | $2.3M | $285K | 37.5% |
| Stockmens Bank | 8 | $1.9M | $238K | 37.5% |
77 Colorado loans (0.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for El Paso County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · El Paso County CSV, all 25 lenders
What El Paso County's table can't show you: fit. Short-term financing is exempt from HMDA, so El Paso County's fix-and-flip and bridge lenders barely appear among its 183 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 El Paso County, Colorado deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an El Paso 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 — El Paso County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 183 lenders and 906 loans: 2025 HMDA loan-level data rolled up to El Paso County.
- El Paso County investor-lender dataset (CSV) — All 25 lenders in the El Paso County, Colorado table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — El Paso 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 Colorado Springs, CO HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — El Paso 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.