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DSCR Loans in Crested Butte, Colorado 2026
Crested Butte has two things that make it a compelling DSCR market: genuine scarcity and authentic character. Unlike resorts built for tourism, CB has a real community — and its limited inventory, strong STR demand, and year-round appeal create rental income that can support DSCR qualification.
Crested Butte STR Market
Average STR gross (2BR ski-area adjacent condo): $5,500–$8,500/mo winter; $2,500–$4,000/mo summer; ~$4,500–$6,000/mo annualized. Peak demand: ski season (Dec–Apr), wildflower season (July), mountain bike season (June–Sept). Town of CB requires licensing; Mt. CB has separate permitting. CB's strict growth management limits new supply.
DSCR Math in Crested Butte
Purchase $875,000 (2BR condo, Mt. CB) with 25% down. Loan $656,250. Rate 7.5%. PITIA (HOA ~$900/mo) ~$6,150/mo. STR gross ~$5,800/mo. DSCR 0.94 — doesn't qualify. Solutions: more down (35% down → PITIA ~$5,400, DSCR ~1.07), target SFR vs. condo, lender with no-ratio DSCR. SFR example: purchase $1,200,000 with 30% down. Loan $840,000. PITIA ~$7,100/mo. STR gross ~$9,000/mo. DSCR 1.27 — qualifies.
Gunnison as a DSCR Alternative
Gunnison, 30 miles south, has $565K median and stronger DSCR ratios on long-term rentals (Western Colorado University demand). Better price-to-rent ratios than CB.
Crested Butte DSCR financing from a broker who knows resort market dynamics. 970-708-9624 | tj@taytoncapitalllc.com.
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