Investing in Pueblo County
Pueblo County covers 2 rental markets we actively finance in Colorado — Pueblo, Pueblo West. Across those markets the median investment basis averages $286,500, a long-term lease averages $2,263/month, and the average all-in PITIA on a DSCR loan at the minimum down payment is $1,828. That produces a county-wide average DSCR ratio near 1.24x.
Basis varies more inside Pueblo County than the average suggests. Pueblo is the lowest entry point at roughly $285,000, while Pueblo currently models the strongest coverage ratio in the county at 1.44x. 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.