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Short-Term Rental · Breckenridge, CO

Short-Term Rental Financing in Breckenridge, CO

Estimated 0.80x DSCR on a $1,300,000 short-term rental with $325,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$1,300,000
25% Down
$325,000
Loan Amount
$975,000
Est. Monthly PITIA
$7,875
Creditable STR Income
$6,336/mo
Est. DSCR Ratio
0.80x

Short-Term Rental investing in Breckenridge

Short-term rental financing in Breckenridge 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 Breckenridge median of $1,300,000, a short-term rental prices near $1,300,000. Minimum down is 25% ($325,000), leaving a loan of $975,000. Estimated all-in PITIA runs about $7,875 per month.

The Breckenridge ratio math on this product

Gross nightly revenue in Breckenridge models to about $8,800/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $6,336 of creditable income. Against a PITIA of $7,875, that is an estimated DSCR ratio of 0.80x. 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 Breckenridge median for this product: an estimated cap rate of 3.22%, and monthly cash flow of $1,539 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.

Breckenridge property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$1,300,00020% ($260,000)$5,800/mo0.70x
2–4 Unit Multi-Family$2,054,00025% ($513,500)$10,788/mo0.87x
Condo & Townhome$936,00020% ($187,200)$4,582/mo0.71x
Short-Term Rental (this page)$1,300,00025% ($325,000)$6,336/mo0.80x

All figures model a purchase at the Breckenridge median of $1,300,000 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 Breckenridge 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.

Breckenridge Short-Term Rental FAQ

More Breckenridge investor resources

Breckenridge investor guide
Full market analysis and loan options
Single-Family Rental in Breckenridge
0.70x est. DSCR
2–4 Unit Multi-Family in Breckenridge
0.87x est. DSCR
Condo & Townhome in Breckenridge
0.71x est. DSCR
Summit County investor hub
Every market we finance in the county
DSCR loan requirements in Colorado
DSCR payment calculator

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