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Short-Term Rental · Avon, CO

Short-Term Rental Financing in Avon, CO

Estimated 0.46x DSCR on a $985,000 short-term rental with $246,250 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$985,000
25% Down
$246,250
Loan Amount
$738,750
Est. Monthly PITIA
$5,967
Creditable STR Income
$2,736/mo
Est. DSCR Ratio
0.46x

Short-Term Rental investing in Avon

Short-term rental financing in Avon is a different underwriting product than a long-term DSCR loan even though it carries the same name. The lender is crediting nightly revenue instead of a signed lease, which means the documentation, the reserve requirement, and the permit diligence all change.

At the Avon median of $985,000, a short-term rental prices near $985,000. Minimum down is 25% ($246,250), leaving a loan of $738,750. Estimated all-in PITIA runs about $5,967 per month.

The Avon ratio math on this product

Gross nightly revenue in Avon models to about $3,800/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,736 of creditable income. Against a PITIA of $5,967, that is an estimated DSCR ratio of 0.46x. That is below the 1.0 threshold, which is normal at this basis. Financing here works one of three ways — more money down, a no-ratio DSCR product, or qualifying on documented short-term rental revenue.

Underwriting notes specific to STR files: plan on 25% down as the floor, six months of PITIA in reserves, and either twelve months of Airbnb/VRBO earnings statements on the subject property or a third-party market revenue study for a property with no operating history. Yes Verify the permit status of the exact address before you go hard on earnest money — an unpermitted STR is an unfinanceable STR on this product.

Returns and structure

Return metrics at the Avon median for this product: an estimated cap rate of 1.83%, and monthly cash flow of $3,231 negative at 25% down. Negative cash flow at the minimum down payment is common in appreciation-led markets; investors close the gap with a larger down payment, a purchase below median, an added unit, or a rate buydown.

Avon property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$985,00020% ($197,000)$4,400/mo0.70x
2–4 Unit Multi-Family$1,556,30025% ($389,075)$8,184/mo0.87x
Condo & Townhome$709,20020% ($141,840)$3,476/mo0.70x
Short-Term Rental (this page)$985,00025% ($246,250)$2,736/mo0.46x

All figures model a purchase at the Avon median of $985,000 with the property-type adjustments described above, at an illustrative 7.50% DSCR rate on a 30-year fixed. Short-term rental income is shown after the standard lender haircut.

Figures on this page are modeled estimates derived from the Avon median price and market rent, adjusted for short-term rental product characteristics. They are illustrative, not a loan offer or an appraisal. Actual pricing, rent, taxes, insurance, HOA dues and DSCR depend on the specific property and on conditions at the time of application.

Avon Short-Term Rental FAQ

More Avon investor resources

Avon investor guide
Full market analysis and loan options
Single-Family Rental in Avon
0.70x est. DSCR
2–4 Unit Multi-Family in Avon
0.87x est. DSCR
Condo & Townhome in Avon
0.70x est. DSCR
Eagle County investor hub
Every market we finance in the county
DSCR loan requirements in Colorado
DSCR payment calculator

Price a short-term rental in Avon

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