The Home Loan Arranger’s Jason Ruedy explains how Colorado investors may qualify using rental income—without personal tax returns or traditional income documentation
DENVER, CO
Colorado real estate investors seeking to access the equity in their rental properties are increasingly exploring DSCR cash-out refinance loans, according to Jason Ruedy, president and CEO of The Home Loan Arranger.
A DSCR loan short for debt service coverage ratio loan is an investment property mortgage that evaluates whether a property’s rental income can support its proposed mortgage payment. Unlike a conventional investment property refinance, qualifying DSCR programs generally do not require personal tax returns, W-2s or traditional employment-income documentation.
“For many real estate investors, the property’s performance tells the story better than a personal tax return,” Ruedy said. “A DSCR cash-out refinance may allow an investor to access rental property equity based primarily on the income generated by the property.”
Colorado investors may use proceeds from an investment property cash-out refinance to:
- Consolidate qualifying debt into a single monthly payment
- Purchase another rental or investment property
- Renovate or improve an existing rental property
- Strengthen cash reserves
- Reinvest capital in a growing real estate portfolio
The financing option may be especially relevant to self-employed investors and property owners whose tax returns do not fully reflect their available cash flow because of legitimate business deductions, depreciation or other real estate expenses.
“Colorado property owners may have substantial equity but find that conventional income-documentation requirements limit their financing options,” Ruedy said. “DSCR financing shifts the focus toward the rental income and financial strength of the investment property.”
Demand for Colorado DSCR loans extends beyond Denver to rental property owners and real estate investors in Colorado Springs, Aurora, Lakewood, Arvada, Boulder, Fort Collins, Longmont, Castle Rock and other communities throughout the state.
Choosing the Right Colorado DSCR Mortgage Lender
Ruedy cautions investors to look beyond a lender’s advertised interest rate when comparing Colorado investment property loans. Interest rate, closing costs, prepayment provisions, loan-to-value limits, property eligibility and DSCR requirements can all influence the true cost and suitability of a loan.
“The right loan officer should do more than quote a rate,” Ruedy said. “Investors deserve clear communication, competitive financing options and an experienced professional who understands how to move a DSCR loan from application to closing.”
With 33 years of mortgage industry experience, Ruedy has built his business around responsive service, strategic loan guidance and an ability to navigate complex mortgage transactions. The Home Loan Arranger serves borrowers in 34 states, according to the company.
Colorado investors interested in a DSCR loan, rental property refinance, investment property cash-out refinance or no-tax-return mortgage option may contact Jason Ruedy directly at 303-862-4742.
About The Home Loan Arranger
The Home Loan Arranger provides mortgage solutions for homeowners and real estate investors. Led by president and CEO Jason Ruedy, the company helps borrowers evaluate conventional, refinance and investment property financing options. Ruedy brings 33 years of mortgage experience and serves clients with an emphasis on competitive loan options, clear communication and attentive customer service.
Media Contact Details
Jason Ruedy
The Home Loan Arranger
Email: Send Email
Phone: 1 303-862-4742
Website: www.thehomeloanarranger.com
Last modified: August 19, 2026
