Finance a Colorado Airbnb with loans built for hosts

Yes. Several loan programs allow Airbnb and short-term rental properties in Colorado. DSCR loans are a common choice because they qualify the loan on the property's rental income rather than your personal income. Conventional investment loans also work, though they may use long-term rent estimates rather than short-term rental income.

It varies by lender. DSCR lenders may use the property's actual booking history or a short-term rental projection from a data provider such as AirDNA, based on comparable properties and seasonality. Some lenders discount the projection to be conservative. Conventional loans usually rely on documented rental history or a long-term rent estimate.

Most Airbnb investment properties need 20–25% down, and short-term rental DSCR loans sometimes need more. If the home is truly a second home — you use it personally part of the year and it isn't primarily a rental — conventional financing allows as little as 10% down, but the rental income can't be used to qualify.

Popular short-term rental markets include Breckenridge, Vail, Keystone, Steamboat Springs, Telluride and Estes Park. Mountain towns with ski and summer seasons tend to see the most demand. Income varies widely by property, season and local rules, so we recommend reviewing real data for the specific property.

Short-term rental rules vary by town and county. Many Summit County communities, including Breckenridge, require a short-term rental license, and some cap the number of licenses. Denver generally limits short-term rentals to a host's primary residence. Vail and Steamboat have their own permit systems. Check local rules before you buy.

Yes, but condos have extra requirements. The project must meet the lender's guidelines on things like owner-occupancy ratios, HOA reserves and litigation. Many ski resort condos are non-warrantable, and we work with portfolio and DSCR lenders that finance non-warrantable condos for short-term rental investors.