Investing in Gunnison County
Gunnison County covers 3 rental markets we actively finance in Colorado — Almont, Crested Butte, Gunnison. Across those markets the median investment basis averages $833,333, a long-term lease averages $4,633/month, and the average all-in PITIA on a DSCR loan at the minimum down payment is $5,286. That produces a county-wide average DSCR ratio near 0.98x.
Basis varies more inside Gunnison County than the average suggests. Almont is the lowest entry point at roughly $485,000, while Almont currently models the strongest coverage ratio in the county at 1.17x. 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.