DSCR Loans in Grand County, Colorado
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 67 lenders made 160 investment-property loans in Grand County, 1.9% of Colorado's total. Dominick Prevete arranges DSCR loans across Grand 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 $355,000.
Grand County investor market at a glance
| Statistic | Grand County | Colorado | County rank |
|---|---|---|---|
| Investor loans | 160 | 8,274 | 13th of 15 |
| Reporting lenders | 67 | 514 | 14th of 15 |
| Loan volume | $99.1M | $3.80B | 12th of 15 |
| Average loan | $619K | $460K | 4th of 15 |
| Median loan | $555K | $355K | 2nd of 15 |
| Purchases | 63.7% | 60.1% | 4th of 15 |
| Cash-out refinances | 11.9% | 17.7% | 13th of 15 |
| 2–4 unit properties | 1.9% | 9.4% | 13th of 15 |
| Top five lenders' share | 31.9% | 23.9% | 6th of 15 |
| Reported business-purpose | 60.6% | 69.2% | 13th of 15 |
Grand County: closed-end loans on 1–4 unit investment properties. Grand County's rank is highest first, among Colorado's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Grand County's investor loans.
What stands out in Grand County
The median investor loan in Grand County was $555K, the 2nd-highest median of Colorado's 15 counties with published data (statewide: $355K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
11.9% of Grand County's investor loans were cash-out refinances, the 3rd-lowest share of Colorado's 15 counties with published data (statewide: 17.7%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
60.6% of Grand County's investor loans were reported as business-purpose, the 3rd-lowest share of Colorado's 15 counties with published data (statewide: 69.2%).
Fewer investor loans here were reported as business-purpose than in most of Colorado. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Does a DSCR loan pencil in Grand County?
At HUD's fair market rent of $2,197 for a 3-bedroom in Grand County, Colorado, a rental covers its full DSCR payment up to a purchase price of about $355,000, with 20% down at the 7.25% starting rate (November 2026). Grand County's median home value is $601,500; at that price the payment is $3,706 a month, so the property would need $3,725 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) | $1,844 / $2,197 / $2,617 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $601,500 |
| Median property taxes and effective rate | $2,071 (0.34% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,706 |
| Rent needed to cover that payment | $3,725 |
| Coverage of a 3-bedroom at fair market rent | 0.59 |
| Highest price a 3-bedroom at fair market rent covers | about $355,000 |
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 Grand County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Grand County?
The most active investment-property lenders in Grand County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; CROSSCOUNTRY MORTGAGE, INC.; and THE LOAN STORE, INC., out of 67 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.
Grand County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 160 loans and $99.1M from 67 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Grand County with 15 loans, 9.4% of the county's total, and the average Grand County loan of $619K compares with $460K across Colorado.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 15 | $8.8M | $589K | 53.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 14 | $9.1M | $652K | 78.6% |
| THE LOAN STORE, INC. | 8 | $5.0M | $630K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 8 | $4.7M | $583K | 25.0% |
| Rocket Mortgage, LLC | 6 | $4.2M | $702K | 83.3% |
| Synergy One Lending, Inc. | 6 | $2.9M | $487K | 50.0% |
| CANVAS CREDIT UNION | 5 | $3.6M | $725K | 100.0% |
| Commerce Home Mortgage, Inc. | 4 | $3.2M | $795K | 75.0% |
| KIND LENDING, LLC | 4 | $3.0M | $748K | 75.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | $2.6M | $653K | 50.0% |
| FirstBank | 4 | $1.4M | $345K | 50.0% |
| V.I.P. MORTGAGE, INC. | 3 | $2.9M | $962K | 100.0% |
| GUILD MORTGAGE COMPANY | 3 | $2.5M | $825K | 100.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | $2.2M | $745K | 0.0% |
| ARC HOME LLC | 3 | $1.7M | $568K | 66.7% |
| NEWREZ LLC | 3 | $1.0M | $335K | 33.3% |
| OriginPoint, LLC | 3 | $0.8M | $272K | 100.0% |
| JPMorgan Chase Bank, National Association | 2 | $2.4M | $1185K | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | $2.0M | $995K | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | $1.6M | $805K | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | $1.6M | $785K | 50.0% |
| LOWER, LLC | 2 | $1.4M | $700K | 100.0% |
| NexBank | 2 | $1.4M | $695K | 0.0% |
| ENT Credit Union | 2 | $1.2M | $610K | 100.0% |
| Hometown Equity Mortgage, LLC | 2 | $1.2M | $605K | 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 Grand County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Grand County CSV, all 25 lenders
What Grand County's table can't show you: fit. Short-term financing is exempt from HMDA, so Grand County's fix-and-flip and bridge lenders barely appear among its 67 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 Grand County, Colorado deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Grand 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 — Grand County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 67 lenders and 160 loans: 2025 HMDA loan-level data rolled up to Grand County.
- Grand County investor-lender dataset (CSV) — All 25 lenders in the Grand County, Colorado table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Grand 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 Grand County, CO.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Grand 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.