DSCR & Hard Money Loans in Johnstown, CO

Aerial view of Northern Colorado neighborhoods near Johnstown

HiFLO Lending helps real estate investors in Johnstown and along the I-25 corridor find DSCR rental loans, fix-and-flip bridge loans, and ground-up construction loans. I'm Dan. I'm based in Northern Colorado, I invest in Weld County myself, and I'll handle your loan personally from first call to closing.

Last updated October 2026

Johnstown at a glance

  • Median sale price: about $488,000 (Redfin, September 2026)

  • Average rent, 3-bedroom house: about $2,650 a month (Rentometer, March 2026)

  • Growth: up 8.4% in one year to about 22,400 people, the fastest in Colorado for towns over 20,000 (U.S. Census estimates, 2025)

Johnstown issued a record 528 single-family building permits in 2025. That means steady renter demand, but also lots of new homes competing with yours, so price and condition matter.

How a DSCR loan works here

A DSCR loan qualifies you on the property's rent, not your tax returns. The lender divides the monthly rent by the monthly payment (principal, interest, taxes, insurance, and HOA). For example, if rent is $2,400 and the payment is $2,000, the DSCR is 1.2. Many lenders want 1.0 or higher, and a higher number usually gets better terms.

Short-term rentals in Johnstown

Johnstown requires a short-term rental license that's renewed every year. The Town updated these rules in February 2026, so check the current code before you buy. I'll help you confirm it as part of my free deal pre-check.

Building in Johnstown

Johnstown is mostly in Weld County, with part in Larimer. The Town adds local rules to the 2024 residential code, including Class 4 impact-resistant shingles, engineered foundations and a soils report for new homes. Budget for these on any build. Learn more about fix-and-flip loans and construction loans.

Colorado rules every landlord should know

  • Cause required for eviction (HB24-1098): since April 2024, Colorado landlords generally need a legal reason to end most leases.

  • Security deposits (HB25-1249): since January 2026, deposits are due back within 30 days by default (the lease can allow up to 60).

Why Johnstown investors work with HiFLO

  • Written fee sheet before you pay anything. My broker fee is 1 to 1.5 points, with no surprises. See every cost →

  • Free deal pre-check before any appraisal is ordered.

  • One contact, start to finish: you work with me, not a call center.

Common questions

Is Johnstown a good place to build?
Demand is strong, but local rules like engineered foundations and Class 4 shingles add cost. I'll help you check that your budget works before you pay for an appraisal.

Can I get a loan for a short-term rental in Johnstown?
Some lenders allow it once you have the Town's yearly short-term rental license. Lenders may use a lower rent estimate for short-term rentals.

Can I get a DSCR loan on a Johnstown rental if I'm self-employed?
Yes. DSCR loans are based on the property's rent, so you usually don't need tax returns or W-2s.

Ready to run your Johnstown deal? Call Dan at (970) 680-0246 or schedule a call.

Market data: Redfin, Rentometer, KUNC. Local rules from the Town of Johnstown Municipal Code; state rules from the Colorado General Assembly and Colorado Division of Real Estate. Last updated October 2026. This page is general information, not legal advice.