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Short-Term Rental · Durango, CO

Short-Term Rental Financing in Durango, CO

Estimated 0.52x DSCR on a $725,000 short-term rental with $181,250 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$725,000
25% Down
$181,250
Loan Amount
$543,750
Est. Monthly PITIA
$4,392
Creditable STR Income
$2,304/mo
Est. DSCR Ratio
0.52x

Short-Term Rental investing in Durango

Short-term rental financing in Durango 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 Durango median of $725,000, a short-term rental prices near $725,000. Minimum down is 25% ($181,250), leaving a loan of $543,750. Estimated all-in PITIA runs about $4,392 per month.

The Durango ratio math on this product

Gross nightly revenue in Durango models to about $3,200/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,304 of creditable income. Against a PITIA of $4,392, that is an estimated DSCR ratio of 0.52x. 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 Durango median for this product: an estimated cap rate of 2.10%, and monthly cash flow of $2,088 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.

Durango property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$725,00020% ($145,000)$4,200/mo0.91x
2–4 Unit Multi-Family$1,145,50025% ($286,375)$7,812/mo1.13x
Condo & Townhome$522,00020% ($104,400)$3,318/mo0.88x
Short-Term Rental (this page)$725,00025% ($181,250)$2,304/mo0.52x

All figures model a purchase at the Durango median of $725,000 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 Durango 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.

Durango Short-Term Rental FAQ

More Durango investor resources

Durango investor guide
Full market analysis and loan options
Single-Family Rental in Durango
0.91x est. DSCR
2–4 Unit Multi-Family in Durango
1.13x est. DSCR
Condo & Townhome in Durango
0.88x est. DSCR
La Plata County investor hub
Every market we finance in the county
DSCR loan requirements in Colorado
DSCR payment calculator

Price a short-term rental in Durango

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