To qualify for a DSCR loan, you will need to make a down payment of at least 20-25%. Additionally, your credit score must be 640 or higher to meet your lender’s DSCR requirement. Some lenders may also require that your property earn 120-150% of the monthly mortgage payment. If you are able to meet these qualifications, a DSCR loan can be an excellent way to finance your home purchase in Colorado.