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Short-Term Rental · Gunnison, CO

Short-Term Rental Financing in Gunnison, CO

Estimated 0.50x DSCR on a $565,000 short-term rental with $141,250 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$565,000
25% Down
$141,250
Loan Amount
$423,750
Est. Monthly PITIA
$3,423
Creditable STR Income
$1,728/mo
Est. DSCR Ratio
0.50x

Short-Term Rental investing in Gunnison

Short-term rental financing in Gunnison 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 Gunnison median of $565,000, a short-term rental prices near $565,000. Minimum down is 25% ($141,250), leaving a loan of $423,750. Estimated all-in PITIA runs about $3,423 per month.

The Gunnison ratio math on this product

Gross nightly revenue in Gunnison models to about $2,400/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $1,728 of creditable income. Against a PITIA of $3,423, that is an estimated DSCR ratio of 0.50x. 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 Gunnison median for this product: an estimated cap rate of 2.02%, and monthly cash flow of $1,695 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.

Gunnison property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$565,00020% ($113,000)$3,800/mo1.06x
2–4 Unit Multi-Family$892,70025% ($223,175)$7,068/mo1.31x
Condo & Townhome$406,80020% ($81,360)$3,002/mo1.03x
Short-Term Rental (this page)$565,00025% ($141,250)$1,728/mo0.50x

All figures model a purchase at the Gunnison median of $565,000 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 Gunnison 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.

Gunnison Short-Term Rental FAQ

More Gunnison investor resources

Gunnison investor guide
Full market analysis and loan options
Single-Family Rental in Gunnison
1.06x est. DSCR
2–4 Unit Multi-Family in Gunnison
1.31x est. DSCR
Condo & Townhome in Gunnison
1.03x est. DSCR
Gunnison County investor hub
Every market we finance in the county
DSCR loan requirements in Colorado
DSCR payment calculator

Price a short-term rental in Gunnison

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