Denver Investment
Property Loans.
Metro Denver mixes high-value single-family rentals, intown duplexes, small garden apartments, and neighborhood commercial. The right loan depends on submarket, unit count, and how insurance and property taxes affect your DSCR.
Talk through a propertyHow Denver deals
actually look
Denver is not one investment market. A 1950s fourplex in Highland, a 12 unit building in Aurora, a retail strip on Colfax, and a new build-to-rent duplex in Thornton each call for a different debt lane. Unit count and property type matter more than the word Denver in the address.
Capituro helps investors close business-purpose financing across those lanes: 1 to 4 Unit DSCR on houses and small residential, 5 to 10 Unit DSCR on smaller apartments, 10+ Unit DSCR on larger multifamily, Commercial DSCR on non-residential assets, bridge for lease-up and value add, and residential ground up construction on eligible infill projects.
See all Colorado investor financing for statewide program overview.
What investors own here
Suburban single-family and small residential
Aurora, Thornton, Westminster, Lakewood, and south metro neighborhoods hold large stocks of 1970s to 2000s single-family rentals and HOA subdivisions. Purchase prices often run $400K to $750K for entry rentals, with DSCR loans from $250K minimum. Duplexes and fourplexes appear in older intown pockets like Highland, Baker, and north Denver.
5 to 20 unit garden apartments
Capitol Hill, Five Points, Lakewood corridors, and older suburban strips contain 6 to 20 unit garden-style buildings from the 1960s and 1970s. These often sit between residential DSCR and agency apartment boxes. A stabilized 8 unit building typically fits 5 to 10 Unit DSCR at $500K to $2M. A 14 or 18 unit refinance often needs 10+ Unit DSCR with rent roll and T-12 underwriting.
Neighborhood commercial and mixed use
Main street retail, small office, and mixed-use corners along Colfax, Federal Boulevard, and suburban highway frontage fit Commercial DSCR when income is commercial-led. Pure apartment buildings should stay on multifamily DSCR programs, not commercial pages.
Common Denver loan lanes
Cash out refinance
Equity pull after value-add stabilization across Denver submarkets.
Program details1 to 4 Unit DSCR
Houses, duplexes, triplexes, and fourplexes in metro Denver suburbs and intown neighborhoods.
Program details5 to 10 Unit DSCR
Smaller garden apartments in Capitol Hill, Lakewood, and older suburban corridors.
Program details10+ Unit DSCR
Mid-sized apartment refinances when lenders cap at 10 units.
Program detailsCommercial DSCR
Commercial DSCR for retail, office, warehouse, daycare, self storage, mixed use, automotive, light industrial, and assisted living property. Purchase, rate-and-term refinance, and cash out when leases and NOI support the request.
Program detailsWhat slows deals here
Hail and insurance premiums
Front Range hail claims have pushed insurance costs up on many Denver metro rentals. Premiums materially change DSCR, especially on older roofs that need replacement before refinance.
High values and tight DSCR
Strong appreciation means purchase prices and taxes run higher than rent growth in some submarkets. Lenders may need conservative market rent support or lower leverage to clear DSCR at today's rates.
HOA and rental restrictions
Suburban rentals in large HOA communities can trigger rental caps, parking rules, or investor concentration limits that affect exit and refinance.