Investment Property Loans in Greenwood Village, CO
Finance a rental home or a second property, whether you are buying or refinancing. Randy is a CPA as well as a mortgage lender, so he reviews the deal like an investor would—the payment against expected rent, reserves and total cost over the time you plan to hold it.
Randy Spierings, CPA, MBA Loan Officer · NMLS #217152 · Primary Residential Mortgage, Inc. NMLS #3094
⭐️⭐️⭐️⭐️⭐️ 5.00 (33 Google reviews)
Buying a rental home or a second property is as much a financial decision as a real estate one. Randy Spierings, CPA, MBA, helps Colorado investors finance purchases and refinances, and looks at the deal the way an accountant would: expected cash flow, reserves and total cost over time. If you are an investor looking for a lender near you who understands cash flow and returns, Randy works with buyers across the Denver metro area.
Who these loans are for
- Buyers of single-family rentals, condos or small multi-unit properties in Colorado.
- Current owners refinancing an investment property.
- Homeowners keeping their current home as a rental when they move.
What lenders usually look at
- A larger down payment than for a primary home (the minimum depends on the program and property).
- Credit history and cash reserves.
- Your income, and in some cases expected rental income from the property.
What Clients Says about Us
The CPA advantage
Randy is a CPA as well as a mortgage lender, with 30+ years as a CPA and 22+ years in residential mortgages with Primary Residential Mortgage, Inc. He looks at cash flow, tax timing and total cost of ownership, not just the rate, so you can see how the loan fits your full financial picture. He does not give tax advice for your specific return; talk to your own tax professional before you decide. For investors, that means a clear view of the payment against expected rent, reserves and the cost of the loan over the time you plan to hold the property.
Randy is a loan officer with Primary Residential Mortgage, Inc. (PRMI), a direct lender that funds, underwrites and originates loans in-house. That means decisions get made under one roof instead of being passed between brokers and wholesalers.
Clients know Randy for his “Home Ownership 101” approach: he walks through the actual math, such as break-even points on a refinance, rent-versus-buy modeling and the long-term cost of a 30-year fixed versus a 15-year or an ARM.
Related pages
See conventional loans, jumbo loans and cash-out refinance.
Client's Experience
★★★★★
"Working with Mr. Spierings has been a fantastic experience. He is knowledgeable, responsive, encouraging and supportive. He is engaged throughout the whole process and brings a sense of ease. He is very professional and I highly recommend working with Mr. Spierings for anyone looking mortgage loans."
— Chasity McKinnon
★★★★★
"Randy is a true professional. The trust is here. Always a pleasure to work with. Honest, Reliable, Super Knowledgeable. Randy is always willing to go Above and Beyond to help our clients! The best of the best."
— Bill Maher
★★★★★
"Randy Spiering and Primary Residential Mortgage help Ruth and I refinance during Covid. He negotiated a 2.75% interest rate for us. This allowed us to enhance our use of funds. Thank you, Randy, and Crew. Incredible foresight."
— Joe Douglas
Frequently asked questions
How much do I need to put down on a rental?
It depends on the loan program and the property type. Randy will tell you the requirement for the property you are looking at.
Can rental income help me qualify?
Often it can be considered, depending on the program and documentation. Randy will explain what counts.
Are rates different for investment properties?
Investment property loans are usually priced differently from primary-home loans. Randy will show you current options when you apply.
Can I refinance a rental property?
Yes, rate-and-term and cash-out refinances are often available for investment properties, subject to program rules.
Have any questions? Don’t hesitate to reach us.
Committed to empowering you with the information needed to make confident, informed decisions about your mortgage. Feel free to reach out to us for personalized guidance and support tailored to your needs.
Talk it through with Randy
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We’re dedicated to equipping you with all the information you need to make well-informed decisions about your mortgage. Don’t hesitate to contact us for personalized assistance tailored to your unique needs.
Randy Spierings NMLS #217152 | Primary Residential Mortgage, Inc. NMLS #3094. Equal Housing Lender. PRMI is licensed in Colorado through the Colorado Division of Real Estate. This is not a loan commitment or an offer to lend. Not all applicants will qualify. All loans are subject to credit approval and underwriting guidelines. Rates and terms are subject to change without notice.