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DSCR Loans in Grand Junction, Colorado 2026
Grand Junction is an underrated investor market. The Western Slope's commercial hub has a stable, diversified demand base — energy sector workers, healthcare employees, GJVAMC staff, Mesa State University students, and a growing outdoor recreation visitor base.
Rental Market Fundamentals
Vacancy rate historically low. Average long-term rent (3BR SFR): $1,800–$2,200/mo. Average 2BR/2BA: $1,400–$1,700/mo. STR demand growing from Colorado National Monument, Kokopelli trails, Palisade wine country, and I-70 traffic.
DSCR Math
DSCR = Monthly Rental Income ÷ Monthly PITIA. Long-term example: Purchase $415,000 with 25% down ($103,750). Loan $311,250. Rate 7.25%. PITIA ~$2,650/mo. Market rent (3BR) ~$1,950/mo. DSCR = 0.74 — doesn't qualify. STR example same property with Palisade wine country / monument proximity gross $2,800–$3,500/mo. DSCR = 1.06 — qualifies.
Best Strategies
Multi-unit duplexes in Clifton and Orchard Mesa. Palisade wine country STR. Colorado National Monument proximity STR in Redlands. Corporate/extended stay 30–90 day furnished rentals serving energy sector.
Requirements
Credit 680 minimum (720+ for best pricing). 20–25% down for SFR; 25% for 2–4 unit. DSCR 1.0–1.25 minimum. LLC vesting allowed.
Grand Junction DSCR deals require lenders who understand the Western Slope. 970-708-9624 | tj@taytoncapitalllc.com.
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