STR / Airbnb DSCR Loans in Colorado
Colorado's STR market clusters around mountain ski destinations (Breckenridge, Vail, Aspen, Steamboat, Telluride) plus Denver/Boulder urban Airbnbs. Mountain town STR regulations have tightened since 2022, with several towns imposing permit caps and primary-residence requirements. Denver allows STR only in primary residence (occupied 60+ days/year).
Top Colorado markets for str / airbnb dscr
- Summit County (Breckenridge, Frisco, Silverthorne): Top CO STR market; ski + summer demand.
- Aspen / Snowmass: Premium luxury STRs; high ADR.
- Steamboat Springs: Year-round outdoor demand; permits more accessible than Aspen.
- Telluride / Crested Butte: Premium remote markets.
- Denver / Boulder: Restricted to primary-residence STR only.
Colorado quick facts
- •Mountain town permits restricted
- •Denver: primary-residence STR only
- •Steamboat more accessible than Breck/Aspen
- •CO sales tax 2.9% + local
Active programs available in Colorado
Bridge Loan for Investors
confirmed 5/9/2026A streamlined short-term bridge loan program for non-owner-occupied investment properties, offering interest-only payments and no income documentation requirements for entity-based borrowers.
DSCR Loan for Investment Properties
confirmed 5/9/2026A DSCR loan program for investment properties that allows for short-term rentals, vacant properties, and qualification based on market rent without requiring a lease.
Foreign National Investment Loan
confirmed 5/9/2026Financing program for international investors purchasing U.S. real estate that does not require U.S. credit history or traditional U.S. income documentation.
Non-QM Investor Loan
confirmed 5/9/2026Financing solutions for condo projects that do not meet standard Fannie Mae or Freddie Mac guidelines, including those with litigation, high commercial space, or investor concentration.
Specialized Investor Loan Program
confirmed 5/10/2026A flexible, fully amortized HELOC solution for primary, second home, and investment properties with loan amounts up to $750,000 and fast funding in as little as 5 days.
Fix & Flip Loan for Investors
confirmed 5/9/2026Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.
DSCR Loan for Investment Properties
confirmed 5/9/2026A flexible Non-QM program offering full income, alternative income, and DSCR documentation options with fixed, adjustable, and interest-only rate structures.
Bank Statement Loan
confirmed 5/10/2026A non-QM bank statement program for service and tip industry workers that uses 12-24 months of bank deposits to calculate income without requiring tax returns.
Colorado STR / Airbnb DSCR FAQs
Can I buy an Airbnb in Breckenridge?
Breckenridge tightened STR rules in 2022 with a license cap and zone-based restrictions. New STR licenses are limited and tied to specific overlay zones. Inherited licenses from prior owners can transfer; new licenses in residential zones are very limited.
Denver STR rules?
Denver requires owner-occupancy 60+ days/year for STR licensure. Pure non-owner-occupied STRs are not legal in Denver. This rules out most investor purchases for STR in Denver proper.
CO STR taxes?
CO sales tax 2.9% + local sales tax + lodging tax (varies, typically 6-13% depending on town). Most platforms collect.
General str / airbnb dscr questions
How is short-term rental income verified?
Three common methods: (1) 12-month trailing statement from Airbnb/VRBO/PriceLabs, (2) AirDNA Rentalizer report for the subject address, or (3) market-rent appraisal addendum that captures STR comps.
What expenses are deducted from gross STR income?
Most lenders apply a 20–25% expense deduction (cleaning, supplies, platform fees, vacancy) to gross STR revenue before computing DSCR. Some lenders use 30%.
Can I get an STR loan in a market that just banned short-term rentals?
Generally no. Lenders verify local STR ordinances and will pivot to long-term DSCR (or decline) if the address sits in a permit-restricted zone.
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