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Short-Term Rental · Edwards, CO

Short-Term Rental Financing in Edwards, CO

Estimated 0.48x DSCR on a $875,000 short-term rental with $218,750 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$875,000
25% Down
$218,750
Loan Amount
$656,250
Est. Monthly PITIA
$5,300
Creditable STR Income
$2,520/mo
Est. DSCR Ratio
0.48x

Short-Term Rental investing in Edwards

Short-term rental financing in Edwards 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 Edwards median of $875,000, a short-term rental prices near $875,000. Minimum down is 25% ($218,750), leaving a loan of $656,250. Estimated all-in PITIA runs about $5,300 per month.

The Edwards ratio math on this product

Gross nightly revenue in Edwards models to about $3,500/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,520 of creditable income. Against a PITIA of $5,300, that is an estimated DSCR ratio of 0.48x. 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. No 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 Edwards median for this product: an estimated cap rate of 1.90%, and monthly cash flow of $2,780 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.

Edwards property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$875,00020% ($175,000)$5,100/mo0.92x
2–4 Unit Multi-Family$1,382,50025% ($345,625)$9,486/mo1.13x
Condo & Townhome$630,00020% ($126,000)$4,029/mo0.90x
Short-Term Rental (this page)$875,00025% ($218,750)$2,520/mo0.48x

All figures model a purchase at the Edwards median of $875,000 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 Edwards 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.

Edwards Short-Term Rental FAQ

More Edwards investor resources

Edwards investor guide
Full market analysis and loan options
Single-Family Rental in Edwards
0.92x est. DSCR
2–4 Unit Multi-Family in Edwards
1.13x est. DSCR
Condo & Townhome in Edwards
0.90x est. DSCR
Eagle County investor hub
Every market we finance in the county
DSCR loan requirements in Colorado
DSCR payment calculator

Price a short-term rental in Edwards

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