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Short-Term Rental · Ridgway, CO

Short-Term Rental Financing in Ridgway, CO

Estimated 0.45x DSCR on a $785,000 short-term rental with $196,250 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$785,000
25% Down
$196,250
Loan Amount
$588,750
Est. Monthly PITIA
$4,755
Creditable STR Income
$2,160/mo
Est. DSCR Ratio
0.45x

Short-Term Rental investing in Ridgway

Short-term rental financing in Ridgway 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 Ridgway median of $785,000, a short-term rental prices near $785,000. Minimum down is 25% ($196,250), leaving a loan of $588,750. Estimated all-in PITIA runs about $4,755 per month.

The Ridgway ratio math on this product

Gross nightly revenue in Ridgway models to about $3,000/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,160 of creditable income. Against a PITIA of $4,755, that is an estimated DSCR ratio of 0.45x. 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 Ridgway median for this product: an estimated cap rate of 1.82%, and monthly cash flow of $2,595 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.

Ridgway property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$785,00020% ($157,000)$4,600/mo0.92x
2–4 Unit Multi-Family$1,240,30025% ($310,075)$8,556/mo1.14x
Condo & Townhome$565,20020% ($113,040)$3,634/mo0.89x
Short-Term Rental (this page)$785,00025% ($196,250)$2,160/mo0.45x

All figures model a purchase at the Ridgway median of $785,000 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 Ridgway 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.

Ridgway Short-Term Rental FAQ

More Ridgway investor resources

Ridgway investor guide
Full market analysis and loan options
Single-Family Rental in Ridgway
0.92x est. DSCR
2–4 Unit Multi-Family in Ridgway
1.14x est. DSCR
Condo & Townhome in Ridgway
0.89x 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 Ridgway

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