CO · Mountain ski / luxury

STR DSCR Loans in Aspen

Aspen Colorado ultra-luxury ski STR.

Median Home Value$3.3M
Nightly Rate$1K
Occupancy55%
DSCR Friendlinesslow

Aspen sits in the mountain ski / luxury STR category — a market profile with specific seasonal patterns, guest expectations, and regulatory considerations. The restrictive STR regulatory environment shapes which acquisitions are workable.

Aspen, CO is a low short-term rental DSCR market. Property type: Mountain ski / luxury. Median home value approximately $3.3M. Average nightly rate: $1K.

Occupancy rate in Aspen averages approximately 55%, which combined with the nightly rate produces gross annual revenue per property of approximately $260K.

Aspen Colorado ultra-luxury ski STR. STR regulatory environment in Aspen: restrictive.

Aspen seasonality and tourism patterns

Tourist demand in Aspen tends toward multi-bedroom group bookings during ski season.

Aspen STR economics

Aspen STR cash flow math: $260K gross revenue minus operating costs of approximately $104K (cleaning, supplies, management, marketing, utilities) leaves roughly $156K for debt service and net cash flow.

Aspen specific FAQ

What's the peak season in Aspen?

Aspen peaks December through March (ski season) with secondary summer. Lenders use annual averaged occupancy in underwriting.

What property types perform best for STR in Aspen?

Aspen guests prefer multi-bedroom ski groups. Hot tubs and ski storage command premium rates.

Are STR licenses available in Aspen?

Aspen has restrictive STR regulations.

What is the typical occupancy rate in Aspen?

Aspen averages approximately 55% occupancy. Premium properties outperform; standard properties cluster near average.

What is the average nightly rate in Aspen?

Aspen averages approximately $1K per night. Premium units command 1.5-2.5x average.

What property management fees are typical for Aspen STR?

Full-service STR management in Aspen runs 20-35% of gross revenue. Co-host arrangements run 15-25%. Self-management saves the fee but consumes 10-20 hours weekly.

How much capital does a Aspen STR acquisition require?

A Aspen STR at the median home value of $3.3M typically requires 25-30% down, furniture and setup ($15K-50K), reserves (6-12 months PITIA), and closing costs. Total initial capital roughly $1.2M+.

Bottom line for Aspen STR investors

The investor profile that succeeds in Aspen STR combines local market knowledge or quality co-host management, realistic revenue projections using AirDNA data, and operational discipline. Get those right and Aspen STR produces strong risk-adjusted returns.

STR regulations vary by city and change frequently. Verify current local rules before acquisition.

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