Investing in Boulder County
Boulder County covers 2 rental markets we actively finance in Colorado — Boulder, Longmont. Across those markets the median investment basis averages $725,000, a long-term lease averages $4,500/month, and the average all-in PITIA on a DSCR loan at the minimum down payment is $4,599. That produces a county-wide average DSCR ratio near 1.00x.
Basis varies more inside Boulder County than the average suggests. Longmont is the lowest entry point at roughly $555,000, while Longmont currently models the strongest coverage ratio in the county at 1.08x. When two towns in the same county ratio differently, it is almost always the rent-to-price relationship rather than the rate — the same loan pricing applies county-wide, so the deal is won on which submarket you buy in.