Merchants Mortgage & Trust for Colorado investors
Merchants Mortgage & Trust is a direct DSCR lender with a 660 minimum credit score, 0.75 minimum DSCR, and maximum 80% LTV. The company does not publish minimum/maximum loan size or state-coverage figures in the sources reviewed.
Colorado context
Colorado property tax low. Mountain STR markets (Vail, Breckenridge, Aspen) premium. Statewide rent control discussions active.
How Merchants Mortgage & Trust positions in Colorado
Within Colorado, Merchants Mortgage & Trust competes alongside other DSCR lenders. Merchants Mortgage & Trust strengths: Direct DSCR lender, 660 minimum credit score. The medium aggregate DSCR economics of Colorado create demand for Merchants Mortgage & Trust programs in Denver and Colorado Springs particularly.
City-level coverage in Colorado
Merchants Mortgage & Trust 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. Merchants Mortgage & Trust program terms apply uniformly across Colorado metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | — - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Colorado property tax | 0.5% |
| Colorado state income tax | 4.4% |
Merchants Mortgage & Trust strengths in Colorado
- Direct DSCR lender
- 660 minimum credit score
- 0.75 minimum DSCR
- Maximum 80% LTV
Ideal borrower: Investor with a 660+ credit score and at least 0.75 DSCR seeking a direct lender.
FAQ
Likely; verify direct Colorado coverage. Merchants Mortgage & Trust is based in an undisclosed location and operates in states not publicly disclosed.
Denver is the top investor market in Colorado and is generally within Merchants Mortgage & Trust states not publicly disclosed footprint. Denver property tax follows the Colorado state rate of 0.5 percent. Merchants Mortgage & Trust 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 Merchants Mortgage & Trust. Submarket variation within Colorado Springs matters for property selection.
Merchants Mortgage & Trust 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 Merchants Mortgage & Trust program.
Merchants Mortgage & Trust does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Colorado property tax low. Mountain STR markets (Vail, Breckenridge, Aspen) premium. Statewide rent control discussions active. Merchants Mortgage & Trust follows standard business-purpose loan structures.
Merchants Mortgage & Trust funds rental DSCR in Colorado.
Colorado allows standard DSCR prepay structures; Merchants Mortgage & Trust typically uses 3-5 year step down.
Merchants Mortgage & Trust typical close: Not publicly published.
Bottom line
For Colorado DSCR borrowers, Merchants Mortgage & Trust is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Merchants Mortgage & Trust.