LendingOne for Colorado investors
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products. Covers all states and DC except Alaska, Nevada, North Dakota, South Dakota, and Utah, with 75% LTV on cash-out refinance.
Colorado context
Colorado property tax low. Mountain STR markets (Vail, Breckenridge, Aspen) premium. Statewide rent control discussions active.
How LendingOne positions in Colorado
Colorado is well covered by national DSCR lenders, with LendingOne as one option. Where LendingOne differentiates: established track record. Where it competes: rates 9 to 12 percent against peer programs.
City-level coverage in Colorado
LendingOne provides DSCR coverage across Colorado metros including Denver, Colorado Springs, and Fort Collins. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. LendingOne program terms apply uniformly across Colorado metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size | $85K - $2.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Colorado property tax | 0.5% |
| Colorado state income tax | 4.4% |
LendingOne strengths in Colorado
- established track record
- broad product suite
- national investor focus
Ideal borrower: Mid-to-experienced investor with stabilized portfolio
FAQ
Yes, operates nationally including Colorado. LendingOne is based in Boca Raton, FL and operates nationally.
Denver is the top investor market in Colorado and falls within LendingOne national coverage. Denver property tax follows the Colorado state rate of 0.5 percent. LendingOne typically underwrites Denver acquisitions at standard rate sheets.
Yes. Colorado Springs ranks among the larger Colorado investor metros and sees consistent DSCR loan volume from LendingOne. Submarket variation within Colorado Springs matters for property selection.
LendingOne applies the same rate sheet across Colorado metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Denver, Colorado Springs, and Fort Collins all qualify for the same LendingOne program.
LendingOne indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
Colorado property tax low. Mountain STR markets (Vail, Breckenridge, Aspen) premium. Statewide rent control discussions active. LendingOne follows standard business-purpose loan structures.
LendingOne funds fix-and-flip, BRRRR, rental, bridge, new-construction in Colorado.
Colorado allows standard DSCR prepay structures; LendingOne typically uses 3-5 year step down.
LendingOne typical close: 14-21 days typical.
Bottom line
Colorado investors considering LendingOne should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with LendingOne.