A Colorado DSCR loan is business-purpose financing on a 1-4 family rental, secured by a deed of trust. Foreclosure sales on deeds of trust are conducted by the county public trustee under C.R.S. Title 38, Article 38.
Colorado runs deed-of-trust foreclosure sales through a county public trustee. Its recent landlord changes, including a two-month deposit cap, shape how you plan tenant turnover.
If your Colorado rental is a condo or short-term rental, see how lenders review condo projects and rental rules.
How are rental property loans secured and foreclosed in Colorado?
Colorado rental loans are secured by a deed of trust, and foreclosure sales on deeds of trust are conducted by the county public trustee under C.R.S. Title 38, Article 38.
- The Adams County Public Trustee Division lists conducting foreclosure sales and processing documents for foreclosures and releases of deeds of trust among its duties.
- The Adams County Public Trustee Division page cites C.R.S. Title 38, Article 38 as the governing law.
Exception: Court involvement in a particular foreclosure was not researched here; ask the lender or a Colorado attorney.
According to the Adams County Public Trustee Division, as of October 2026.
What Colorado landlord rules affect a rental property's numbers?
Colorado caps a security deposit at two months' rent under C.R.S. 38-12-102.5, added by Senate Bill 23-184.
- The two-month cap came from Senate Bill 23-184 (2023 Session Laws chapter 402).
- House Bill 25-1249, Tenant Security Deposit Protections, signed June 3, 2025 and effective January 1, 2026, changed several deposit rules; check the enacted text for the current return deadline.
Exception: Local ordinances can add deposit rules. Check the city where the rental sits.
According to Senate Bill 23-184, 2023 Session Laws chapter 402 and House Bill 25-1249, Colorado General Assembly, as of October 2026.
Local guides for Colorado: Denver.
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Disclaimer
This page is general education about business-purpose real estate financing and state law as published by official sources on the date shown. It is not legal, tax or lending advice, not an offer to lend and not a rate quote. Laws and lender guidelines change; confirm current rules with the lender, the title company and your own attorney or tax adviser.