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Investment Property Loans in Colorado — Finance Your Next Rental the Right Way

From your first rental to a multi-unit portfolio — Todd Gehrke structures investment property financing the way serious real estate investors think: starting with the math, not the mortgage.

Real estate is how the affluent build wealth. Not because they have secret access to markets or programs no one else can reach. Because they understand the math — cap rates, cash-on-cash returns, debt leverage, equity appreciation — and they make decisions based on it.

Todd Gehrke has been teaching these concepts and financing investment properties for over 20 years. His approach starts before you pick a property: what does the deal look like at 75% LTV? What is your projected cap rate? How does this property perform against a comparable stock investment? Those questions shape how the financing should be structured.

Todd is familiar with every loan type available to Colorado real estate investors — from conventional investment loans to DSCR financing to portfolio programs — and he will help you pick the structure that maximizes your return, not just your approval odds.

Loan Types for Investment Properties

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DSCR Loans

Qualification based on the property’s rental income, not your personal income. Ideal for investors who have multiple properties, self-employed income, or complex tax returns.

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Conventional Investment Loans

Standard Fannie/Freddie programs for 1–4 unit investment properties. Best rates for investors who qualify on personal income.

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Portfolio Loans

Non-conforming loans held by the lender, with more flexible underwriting. Useful for complex situations conventional programs won’t touch.

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Multi-Unit Financing (2–4 Units)

Specific programs for duplexes, triplexes, and fourplexes — including owner-occupied multi-family for buyers who want their tenants to pay the mortgage.

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Short-Term Rental / Vacation Property

Programs available for Airbnb-style properties. Qualification can use projected short-term rental income in some cases.

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Fix-and-Hold Financing

Bridge loans or renovation loans for investors buying and stabilizing rental properties before refinancing into a long-term program.

The Affluentology Approach

Every investment property decision starts with one question: does this build your wealth faster than the alternatives?

Todd will help you run the numbers on cap rate, annual return, equity growth, and tax implications before you commit. Because the mortgage is just the financing tool — the question is whether the deal makes sense.

Frequently Asked Questions

What loans are available for investment properties in Colorado?

The main options are conventional investment loans, DSCR loans, portfolio loans, and bridge loans. The right choice depends on whether you prefer income-based or asset-based qualification, your credit profile, and the property type. Todd will lay out all available options for your specific deal.

How much down payment do I need for a rental property in Denver?

Conventional investment property loans typically require 15–25% down. DSCR loans often require 20–25%. Some portfolio programs go as low as 10%. Todd will find the structure with the lowest required down payment that still makes sense for your return targets.

What is a DSCR loan and is it right for me?

A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income of the property rather than your personal W-2 income. The lender looks at whether the property’s rent covers the mortgage payment (typically at a ratio of 1.0–1.25x). It is ideal for investors with multiple properties, self-employed income, or complex tax returns.

Can I use rental income to qualify for an investment property mortgage?

Yes — with DSCR loans, the rental income of the subject property is the primary qualification metric. With conventional loans, you can typically use 75% of projected rental income to offset the new mortgage payment in your debt-to-income calculation.

How is the rate on an investment property loan different from a primary residence?

Investment property loans carry a rate premium — typically 0.5–1.0% higher than a comparable primary residence loan. This reflects higher default risk for non-owner-occupied properties. Todd will show you the full rate picture for each loan type so you can factor it into your return calculations.

Is now a good time to buy an investment property in Denver?

Todd will not tell you when to invest — that is your call. What he will do is help you run the numbers on a specific property to determine if it makes financial sense. Rates for investment properties in Colorado are running approximately 6.5–7.5% in mid-2026 depending on the program. Whether that pencils out depends on the cap rate, your down payment, and your return expectations.

Run the Numbers

Book a free refinance analysis. Todd will calculate your break-even point, compare options side by side, and tell you straight whether a refinance makes sense for your situation.

CALL TODD DIRECTLY

(720) 608-0013

todd@yestodd.com

NMLS #248559

Run the Deal Math Before You Commit

Book a free investment property consultation. Todd will help you structure the financing around your return targets — not just get you approved.