DSCR Loans in Larimer 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, 127 lenders made 560 investment-property loans in Larimer County, 6.8% of Colorado's total. Dominick Prevete arranges DSCR loans across Larimer 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 $375,000.
Larimer County investor market at a glance
| Statistic | Larimer County | Colorado | County rank |
|---|---|---|---|
| Investor loans | 560 | 8,274 | 6th of 15 |
| Reporting lenders | 127 | 514 | 8th of 15 |
| Loan volume | $212.3M | $3.80B | 6th of 15 |
| Average loan | $379K | $460K | 9th of 15 |
| Median loan | $345K | $355K | 9th of 15 |
| Purchases | 62.1% | 60.1% | 7th of 15 |
| Cash-out refinances | 15.9% | 17.7% | 11th of 15 |
| 2–4 unit properties | 10.9% | 9.4% | 6th of 15 |
| Top five lenders' share | 29.3% | 23.9% | 12th of 15 |
| Reported business-purpose | 66.6% | 69.2% | 11th of 15 |
Larimer County: closed-end loans on 1–4 unit investment properties. Larimer County's rank is highest first, among Colorado's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Larimer County's investor loans.
What stands out in Larimer County
Larimer County's 560 investor loans ranked 6th of Colorado's 15 counties with published data.
Does a DSCR loan pencil in Larimer County?
At HUD's fair market rent of $2,379 for a 3-bedroom in Larimer County, Colorado, a rental covers its full DSCR payment up to a purchase price of about $375,000, with 20% down at the 7.25% starting rate (November 2026). Larimer County's median home value is $569,100; at that price the payment is $3,579 a month, so the property would need $3,600 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) | $1,759 / $2,379 / $2,576 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $569,100 |
| Median property taxes and effective rate | $2,832 (0.50% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,579 |
| Rent needed to cover that payment | $3,600 |
| Coverage of a 3-bedroom at fair market rent | 0.66 |
| Highest price a 3-bedroom at fair market rent covers | about $375,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $555,000 |
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 Larimer County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Larimer County?
The most active investment-property lenders in Larimer County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; First Western Trust Bank; and THE LOAN STORE, INC., out of 127 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 one that reported in Larimer County, and matches each file to the one most likely to fund it.
Larimer County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 560 loans and $212.3M from 127 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Larimer County with 50 loans, 8.9% of the county's total, and the average Larimer County loan of $379K compares with $460K across Colorado.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 50 | $16.5M | $330K | 54.0% |
| First Western Trust Bank | 30 | $11.3M | $378K | 60.0% |
| THE LOAN STORE, INC. | 30 | $10.8M | $359K | 76.7% |
| FirstBank | 29 | $11.8M | $408K | 65.5% |
| Kiavi Funding, Inc. | 25 | $10.8M | $431K | 92.0% |
| Bank of Colorado | 24 | $9.2M | $385K | 79.2% |
| Rocket Mortgage, LLC | 23 | $6.7M | $290K | 47.8% |
| DHI MORTGAGE COMPANY, LTD. | 15 | $5.4M | $362K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 13 | $5.0M | $386K | 53.8% |
| Loan Funder LLC | 13 | $4.8M | $370K | 7.7% |
| GUARANTEED RATE, INC. | 12 | $5.5M | $458K | 66.7% |
| KIND LENDING, LLC | 11 | $4.4M | $404K | 63.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | $4.1M | $407K | 50.0% |
| SUMMIT FUNDING, INC. | 9 | $4.0M | $447K | 55.6% |
| GUILD MORTGAGE COMPANY | 8 | $3.5M | $431K | 87.5% |
| HOMEXPRESS MORTGAGE CORP. | 7 | $2.6M | $371K | 42.9% |
| JPMorgan Chase Bank, National Association | 7 | $2.4M | $346K | 85.7% |
| V.I.P. MORTGAGE, INC. | 7 | $2.2M | $312K | 57.1% |
| GROUP MORTGAGE, LLC | 7 | $2.1M | $302K | 100.0% |
| Loandepot.Com, LLC | 7 | $1.9M | $271K | 71.4% |
| First National Bank | 6 | $3.7M | $610K | 66.7% |
| NexBank | 6 | $3.3M | $550K | 33.3% |
| NEWREZ LLC | 6 | $2.7M | $455K | 50.0% |
| OCMBC, INC. | 6 | $2.6M | $432K | 16.7% |
| HOMEAMERICAN MORTGAGE CORPORATION | 6 | $1.9M | $323K | 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 Larimer County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Larimer County CSV, all 25 lenders
What Larimer County's table can't show you: fit. Short-term financing is exempt from HMDA, so Larimer County's fix-and-flip and bridge lenders barely appear among its 127 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 Larimer County, Colorado deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Larimer 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 — Larimer County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 127 lenders and 560 loans: 2025 HMDA loan-level data rolled up to Larimer County.
- Larimer County investor-lender dataset (CSV) — All 25 lenders in the Larimer County, Colorado table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Larimer 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 Fort Collins-Loveland, CO MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Larimer 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.