STR DSCR investor profile of Breckenridge
Breckenridge, CO is a low short-term rental DSCR market. Property type: Mountain ski. Median home value approximately $1.3M. Average nightly rate: $595.
Occupancy rate in Breckenridge averages approximately 60%, which combined with the nightly rate produces gross annual revenue per property of approximately $130K.
Breckenridge Colorado ski STR. License caps in place. STR regulatory environment in Breckenridge: restrictive.
STR financing for Breckenridge
STR-specific DSCR loans underwrite based on projected nightly revenue and occupancy rather than long-term lease income. Specialty lenders that fund STR DSCR include Easy Street Capital, Visio Lending, and several private money operators.
For a Breckenridge property at the median value of $1.3M generating $595 per night at 60% occupancy, gross annual revenue runs approximately $130K.
Breckenridge STR FAQ
Yes. STR-specific DSCR loans available through specialty lenders (Easy Street Capital, Visio Lending, others). Lenders underwrite based on projected nightly revenue and occupancy rather than long-term lease income.
Breckenridge averages approximately 60% occupancy. Lenders typically underwrite with conservative occupancy assumptions (lower than peak) and require AirDNA or similar data.
Average nightly rates in Breckenridge run approximately $595. Premium units (size, location, amenities) command meaningfully higher rates.
Breckenridge STR regulatory environment is restrictive. New STR licenses may be capped or unavailable. Verify before acquisition.
STR gross revenue per property in Breckenridge averages approximately $130K annually. Operating costs (cleaning, supplies, management, utilities, maintenance) typically consume 30-50% of gross — netting roughly 50-70% to operating income.
Easy Street Capital, Visio Lending, and several private money operators underwrite STR-specific DSCR using projected revenue. Some lenders require 12+ months of operating history; others will fund pre-operating projections.
Yes. Lendai Finance and similar specialty lenders fund foreign-national STR acquisitions. Down payments typically 30-50%.
Breckenridge primarily mountain ski property. Optimal STR property selection depends on guest demographics, amenity expectations, and local zoning.
STR regulations vary by city and change frequently. Verify current local rules before acquisition. STR revenue projections are directional — actual results vary.