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DSCR Loans in Telluride, Colorado 2026
Telluride is one of Colorado's strongest short-term rental markets — and one of the most financing-complex. DSCR loans let investors qualify on rental income without personal income documentation, but the math at Telluride price points requires careful analysis.
Telluride's STR Market Fundamentals
Average STR gross income (ski-in/ski-out 3BR): $12,000–$18,000/mo in season; $4,000–$7,000/mo off-season; ~$9,000–$12,000/mo annualized. Occupancy 65–78%. Peak weeks: Christmas/New Year, Presidents' Day, late February ski season, July 4th bluegrass. Town of Telluride and San Miguel County both require STR permits.
DSCR Math at Telluride Prices
DSCR = Monthly Rental Income ÷ Monthly PITIA. Mountain Village condo: purchase $895,000 with 25% down. Loan $671,250. Rate 7.5%. PITIA (incl. HOA $1,800/mo) ~$7,100/mo. STR gross ~$6,500/mo. DSCR 0.92 — doesn't qualify. Town of Telluride SFR with STR permit: purchase $1,450,000 with 30% down. Loan $1,015,000. PITIA ~$8,200/mo. STR gross ~$11,500/mo. DSCR 1.40 — qualifies.
HOA STR Restrictions
Many Mountain Village condo projects restrict or prohibit short-term rentals. If STR income is integral to your DSCR qualification, verify the HOA's rental policy before writing an offer.
DSCR Lender Requirements in Telluride
Credit 700 minimum; 720+ preferred for jumbo DSCR. Down payment 25–30%. DSCR 1.0–1.25 minimum (some lenders offer no-ratio). Loan amounts up to $3M+. STR income documentation: 12 months AirDNA data or actual STR history.
Telluride DSCR loans require lenders who understand both the program and the market. 970-708-9624 | tj@taytoncapitalllc.com.
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