Mortgage Capital Funding for Colorado investors
Mortgage Capital Funding is a broker-only DSCR lender offering a no-ratio program alongside standard DSCR underwriting (0.75 minimum DSCR, 660 minimum credit score). Maximum LTV is 80% on loans up to $1,500,000 for borrowers with a 700+ credit score; overall loan size runs $150,000 to $3,000,000. The company does not publish rate 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 Mortgage Capital Funding positions in Colorado
For Colorado specifically, Mortgage Capital Funding fits investors who match the hard money approach. The medium cash flow profile of Colorado aggregate makes it workable for Mortgage Capital Funding.
City-level coverage in Colorado
Mortgage Capital Funding 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. Mortgage Capital Funding 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 | $150K - $3.0M |
| 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% |
Mortgage Capital Funding strengths in Colorado
- No-ratio DSCR program available
- Broker-only origination
- 80% LTV up to $1,500,000 at 700+ credit score
- 0.75 minimum DSCR
Ideal borrower: Broker-originated borrower with 700+ credit score seeking maximum leverage up to $1.5M, or a no-ratio DSCR deal.
FAQ
Likely; verify direct Colorado coverage. Mortgage Capital Funding 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 Mortgage Capital Funding states not publicly disclosed footprint. Denver property tax follows the Colorado state rate of 0.5 percent. Mortgage Capital Funding 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 Mortgage Capital Funding. Submarket variation within Colorado Springs matters for property selection.
Mortgage Capital Funding 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 Mortgage Capital Funding program.
Mortgage Capital Funding 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. Mortgage Capital Funding follows standard business-purpose loan structures.
Mortgage Capital Funding funds rental DSCR in Colorado.
Colorado allows standard DSCR prepay structures; Mortgage Capital Funding typically uses 3-5 year step down.
Mortgage Capital Funding typical close: Not publicly published.
Bottom line
Mortgage Capital Funding in Colorado works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Mortgage Capital Funding.