Breckenridge is Colorado's most-visited ski resort and one of the nation's strongest short-term rental markets. DSCR loans are the go-to financing tool for Breckenridge investors — no personal income required, can close in an LLC.
Why Breckenridge Str Investors Use Dscr
Breckenridge hosts 3+ million skier visits annually. Properties within walking distance of Main Street or the gondola consistently generate $80,000–$150,000+ in annual gross rental revenue. Summer demand from hiking, biking, and festivals continues to grow. DSCR investors can qualify on this income alone.
2026 Loan Limits — Summit County
Summit County (Breckenridge, Frisco, Dillon, Silverthorne, Keystone) is a designated high-cost area: • Conforming limit: $1,092,500 • FHA limit: $1,092,500
Most Breckenridge properties below $1.2M can be financed with conforming-rate DSCR. Above $1.092M is jumbo DSCR.
Breckenridge Str Regulations
Summit County and the Town of Breckenridge require STR licenses. The town has implemented caps on non-primary-residence STR licenses in some zones. Always verify license availability for the specific property before writing an offer — this is the single biggest deal-killer in Breckenridge investor transactions.
TYPICAL DSCR REQUIREMENTS • Down payment: 20–25% • Credit score: 680–720+ • DSCR ratio: 1.0+ (AirDNA projections or 12-month platform history) • Entity vesting: LLC allowed • Rate: Typically 0.5–1.0% above primary residence rate