What Qualifies as Ski-in/Ski-out
True ski-in/ski-out means you can access groomed ski runs directly from your property without driving, taking a shuttle, or walking more than a few hundred feet. These properties command 30-50% premiums over comparable non-ski-access homes. In Colorado, notable ski-in/ski-out communities include: Vail Village and Lionshead, Beaver Creek Village, Bachelor Gulch, Breckenridge Peak 7/8/9, Keystone River Run, and Steamboat's Mountain Area.
Financing Challenges Unique to Ski Access Properties
Ski-in/ski-out properties often trigger special financing considerations: they're frequently priced in jumbo territory ($1M-$10M+), many are condotels with rental management programs, HOAs may have resort-specific requirements, and seasonal access can complicate appraisals. National lenders regularly stumble on these nuances. Cedar Home Loans finances ski-access properties across Colorado and understands the specific requirements.
Price Ranges by Resort
Vail Village/Lionshead ski-in: $1.5M-$8M+. Beaver Creek Village: $2M-$10M+. Bachelor Gulch: $2M-$6M. Breckenridge Peak 8: $800K-$3M. Keystone River Run: $400K-$1.5M. Steamboat Mountain Area: $600K-$3M. These ranges reflect the premium placed on direct slope access, and most require jumbo financing.
Investment Potential of Ski Access Properties
Ski-in/ski-out properties generate the highest rental income of any mountain property type. A Vail Village 2-bedroom can earn $150K-$250K annually in gross rental income. Breckenridge slope-side condos generate $60K-$120K. The premium price is often justified by substantially higher rental yields compared to properties requiring a drive or shuttle to slopes. Consider DSCR financing to qualify based on this income potential.
Due Diligence for Ski Access Purchases
Before buying ski-in/ski-out: verify the actual ski access route (some marketed properties require significant walking), review HOA trail maintenance obligations, understand lift access agreements (some expire and require renewal), check for any pending resort changes that could affect access, and confirm insurance requirements for slope-adjacent properties. A local buyer's agent experienced in resort properties is invaluable.
Updated . Figures are general guidance and vary by lender, property and borrower. Call us for numbers that fit your situation.
