Keystone · Summit County
Finance a Keystone condo or vacation rental
Loans for Keystone investment properties, including resort condos in rental programs that many lenders won't finance.
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- $1B+ funded
- 30+ years of experience
Why investors work with us in Keystone
Most Keystone financing questions come down to the condo project.
Local market knowledge
Non-warrantable condos
Qualify on rental income
Two seasons of demand
Financing Keystone properties
Many Keystone investment condos are in large resort complexes that don't meet Fannie Mae warrantability guidelines. High investor concentration, rental pool arrangements and building-wide insurance policies can all make a project non-warrantable — but it can still be financed.
We work with portfolio lenders and DSCR programs that lend in Keystone's resort condo market, so you don't spend weeks with a bank that ends up declining the project.
With a DSCR loan, the property's rent is compared with its full payment. Many lenders look for a ratio of 1.0 or higher; the actual ratio depends on the rent estimate and the loan terms.
Confirm short-term rental rules
Keystone areas
- River Run Village
- Ski-in/ski-out condos at the gondola
- Lakeside Village
- Condos and townhomes around Keystone Lake
- Mountain House
- Base-area condos
- East Keystone / Soda Ridge
- Single-family homes and townhomes
- Summit Cove / Dillon
- Nearby condos and homes
Keystone investment property questions
Yes. We finance Keystone condos as second homes and investment properties. Many Keystone condo projects are non-warrantable because of high investor concentration or rental management programs, so we work with portfolio and DSCR lenders that lend in those projects. Send us the address and we'll check which lenders will finance it.
It depends on the unit's size, location, amenities and management. Ski-in/ski-out units near River Run generally rent for more than units farther from the lifts, and summer adds a second season. For a specific property, look at its booking history or a current short-term rental data report — lenders will do the same.
Keystone is in unincorporated Summit County, which requires a short-term rental license for stays under 30 days, with safety, parking and renewal requirements. Summit County has changed its short-term rental rules in recent years, including limits in some zones, so check the current rules for the specific property with the county before you buy.
For a warrantable condo, typically 15–25% down with conventional financing, or 20–25% or more with DSCR. Non-warrantable condos through portfolio lenders often need 25–30%. If you'll use it personally part of the year and it isn't primarily a rental, a second-home loan allows as little as 10% down on a warrantable condo, but rental income can't be used to qualify.
Keystone generally has lower entry prices than Breckenridge, with ski and lake activities that draw visitors in both seasons. Local rules and HOA policies differ between the two, and returns depend on the specific unit. We can help you compare financing for properties in both.
Often, yes. Many Keystone condos participate in managed rental programs. These arrangements can make a condo non-warrantable for Fannie Mae and Freddie Mac, but some portfolio and DSCR lenders accept them. How the rental income is counted varies by lender.
Ready to invest in Keystone?
Get pre-approved, or call Andrew with the building name and he'll tell you which lenders will finance it.