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Short-Term Rental · Ouray, CO

Short-Term Rental Financing in Ouray, CO

Estimated 0.58x DSCR on a $695,000 short-term rental with $173,750 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$695,000
25% Down
$173,750
Loan Amount
$521,250
Est. Monthly PITIA
$4,210
Creditable STR Income
$2,448/mo
Est. DSCR Ratio
0.58x

Short-Term Rental investing in Ouray

Short-term rental financing in Ouray 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 Ouray median of $695,000, a short-term rental prices near $695,000. Minimum down is 25% ($173,750), leaving a loan of $521,250. Estimated all-in PITIA runs about $4,210 per month.

The Ouray ratio math on this product

Gross nightly revenue in Ouray models to about $3,400/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,448 of creditable income. Against a PITIA of $4,210, that is an estimated DSCR ratio of 0.58x. 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 Ouray median for this product: an estimated cap rate of 2.32%, and monthly cash flow of $1,762 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.

Ouray property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$695,00020% ($139,000)$4,000/mo0.91x
2–4 Unit Multi-Family$1,098,10025% ($274,525)$7,440/mo1.12x
Condo & Townhome$500,40020% ($100,080)$3,160/mo0.90x
Short-Term Rental (this page)$695,00025% ($173,750)$2,448/mo0.58x

All figures model a purchase at the Ouray median of $695,000 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 Ouray 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.

Ouray Short-Term Rental FAQ

More Ouray investor resources

Ouray investor guide
Full market analysis and loan options
Single-Family Rental in Ouray
0.91x est. DSCR
2–4 Unit Multi-Family in Ouray
1.12x est. DSCR
Condo & Townhome in Ouray
0.90x est. DSCR
Ouray County investor hub
Every market we finance in the county
DSCR loan requirements in Colorado
DSCR payment calculator

Price a short-term rental in Ouray

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