Investing in Larimer County
Larimer County covers 5 rental markets we actively finance in Colorado — Berthoud, Estes Park, Fort Collins, Loveland, Timnath. Across those markets the median investment basis averages $548,400, a long-term lease averages $3,465/month, and the average all-in PITIA on a DSCR loan at the minimum down payment is $3,493. That produces a county-wide average DSCR ratio near 1.00x.
Basis varies more inside Larimer County than the average suggests. Loveland is the lowest entry point at roughly $485,000, while Loveland 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.