Vacation Rental Loans, Breckenridge, CO
Breckenridge is one of the most established STR DSCR ski-town markets in the United States: a Summit County Colorado mountain town at 9,600 feet base elevation, anchored by Breckenridge Ski Resort (the Vail Resorts-operated multi-peak ski area spanning Peak 6, Peak 7, Peak 8, Peak 9, and Peak 10 on the eastern slope of the Tenmile Range), the walkable historic Main Street commercial core, the BreckConnect Gondola connecting Main Street to Peak 8, the Boreas Pass and Baldy Mountain residential corridors, and the broader Summit County mountain-recreation ecosystem extending across Frisco, Dillon, Silverthorne, and Keystone. Breckenridge operates a structurally seasonal but exceptionally strong STR demand calendar driven by the December-through-April ski season (the deepest Colorado ski-town season on the Front Range corridor), summer hiking, mountain biking, and trail-running tourism, the Breckenridge International Snow Sculpture Championships, the Breckenridge Music Festival, the WAVE light art festival, and the broader I-70 corridor weekender flow from Denver and the Front Range. Pinnacle Funding Network finances STR DSCR vacation rental loans across the Breckenridge ski-base condo belt and broader Summit County, long-term DSCR for stable-hold investors, fix and flip for selective Wellington and Warriors Mark renovation, and bridge for 1031 exchange timing, with cash-flow qualification, no tax returns, AirDNA-supported revenue underwriting, and a same-day written quote.
Published by Pinnacle Funding Network | Updated May 2026
Breckenridge is one of the most established STR DSCR markets among Colorado ski towns and one of the highest-volume mountain-town vacation rental markets in the western United States. The Town of Breckenridge sits at 9,600 feet base elevation in Summit County Colorado on the eastern slope of the Tenmile Range, with Breckenridge Ski Resort (Vail Resorts) operating across five distinct peak base areas (Peak 6, Peak 7, Peak 8, Peak 9, and Peak 10). The Peak 8 base is the historic main base anchored by the BreckConnect Gondola connecting to Main Street; the Peak 7 base is the most ski-in/ski-out trophy condo corridor; the Peak 9 base is the more family-oriented base with multiple ski-in/ski-out condo properties; and the broader downtown Breckenridge corridor (Main Street, Wellington, Warriors Mark) provides walkable commercial and residential density. Demand is driven by the December-through-April ski season (one of the deepest ski seasons on the Front Range I-70 corridor); summer hiking, mountain biking, and trail-running tourism (the Breckenridge bike park operates summer alongside the broader Summit County trail network); the Breckenridge International Snow Sculpture Championships (January), the Breckenridge Music Festival (summer), the WAVE light art festival, and the broader event calendar; plus the steady weekender flow from Denver and the Colorado Front Range corridor. AirDNA-supported gross revenue projections on 2-4BR ski-base condos and 3-5BR Wellington or Baldy Mountain SFR inventory routinely exceed $75,000-$155,000 annually, with premium ski-in/ski-out Peak 7 or Shock Hill inventory extending substantially higher.
Pinnacle Funding Network is an STR DSCR specialist purpose-built for the Breckenridge vacation rental investor. STR DSCR is the lead product, with long-term rental DSCR available for stable-hold investors operating long-stay seasonal-employee lease structures common in Summit County, fix and flip and substantial renovation for selective Wellington, Warriors Mark, and older Peak 8 base-area renovation, bridge for 1031 exchange timing, foreign national for international capital channels, and self-employed programs all available through the same lending relationship. This page exists to give serious Breckenridge investors everything they need to underwrite Pinnacle as a capital partner and the Breckenridge market as a deployment target, in one place.
Ski-in/ski-out trophy inventory on Peak 7 and Shock Hill routinely runs into seven figures, and those higher-value and luxury Breckenridge short-term rentals are financed through our jumbo and high-value DSCR program.
Breckenridge works for STR DSCR investors because four structural drivers reinforce premium ski-town vacation rental demand at institutional underwriteable depth.
1. The Vail Resorts Breckenridge Ski Resort plus the multi-peak base structure anchors one of the deepest ski-town STR demand bases in North America. Breckenridge Ski Resort is one of the most-visited Colorado ski resorts by annual skier visits, with the Vail Resorts Epic Pass driving structurally consistent multi-day visitor density across the December-through-April ski season. The multi-peak base structure (Peak 7, Peak 8, Peak 9, Peak 10) creates true ski-in/ski-out STR inventory at multiple price points, from premium Peak 7 trophy condo to mid-tier Peak 9 family condo to entry-tier Peak 8 base-area condo, supporting a substantially deeper STR inventory base than single-base-area Colorado ski towns.
2. The dual-season demand calendar (winter ski plus substantial summer recreation) produces meaningfully stronger annual occupancy than purely winter ski-town markets. Summer mountain biking (the Breckenridge bike park plus the broader Summit County trail network including the Colorado Trail and the Tenmile Range), hiking (the Mohawk Lakes, McCullough Gulch, Quandary Peak Fourteener access), trail running, fly fishing, and the Breckenridge Music Festival plus broader summer event calendar produce structural June-through-September shoulder-and-summer occupancy that lifts AirDNA-supported annual revenue projections meaningfully above purely-winter peer Colorado ski towns. The result is institutionally cleaner STR DSCR underwriting.
3. AirDNA market data depth across Breckenridge and Summit County supports institutional STR DSCR underwriting with reliable comparable-property revenue projections. Breckenridge and Summit County collectively operate one of the deepest permitted STR inventory bases in the western United States, producing exceptionally deep AirDNA comparable data at the submarket level (Peak 7 ski-in/ski-out, Peak 8 base-area, Peak 9 base-area, Wellington walkable downtown, Boreas Pass historic, Baldy Mountain eastside, Shock Hill premium) and at the property-type level (ski-in/ski-out condo, base-area walk-to-lift condo, Main Street walkable cottage, Warriors Mark SFR). AirDNA projections at the parcel level produce reliable underwriting outcomes.
4. Front Range demand gravity plus established Denver-to-Breckenridge transit infrastructure produces consistent year-round weekend and event traffic on top of destination travel. Breckenridge sits roughly 80 miles west of Denver along the I-70 corridor (typical drive 90-120 minutes outside peak weekend ski traffic), positioning the town as the primary Front Range ski-and-mountain-recreation weekender destination. Denver and broader Colorado Front Range demand (Denver Metro, Boulder, Colorado Springs, Fort Collins) operates as a continuous demand floor across all seasons, in addition to destination travel from out-of-state visitors. This structural Front Range demand gravity is one of the central reasons Breckenridge STR DSCR underwrites cleaner than more remote western Colorado ski towns.
Breckenridge is organized as a series of ski-base, downtown walkable, and outlying mountain residential submarkets. Below is the operational read on the highest-volume Breckenridge STR DSCR submarkets.
The ski-in/ski-out trophy condo submarket. The Peak 7 base area is the most ski-in/ski-out trophy condo corridor at Breckenridge Ski Resort, anchored by Crystal Peak Lodge and the Grand Lodge on Peak 7. Premium ski-in/ski-out 1-3BR condo inventory plus selective penthouse trophy condo with direct access to the Peak 7 quad lift and the broader Breckenridge ski terrain. The most premium ski-in/ski-out submarket in town.
Typical purchase price (1-3BR ski-in/ski-out condo): $685K-$1.85M+ (penthouse trophy tier extending to $3M+). Typical AirDNA gross revenue projection (1-3BR): $75K-$165K. Typical annual occupancy: 58-66%. Typical ADR: $385-$785. Typical STR DSCR (75-80% LTV): 1.05-1.35x. Best for: Premium ski-in/ski-out STR investors with appetite for Resort Zone 1 STR licensing reality and trophy-tier ARV positioning.
The historic main base area with BreckConnect Gondola access. The Peak 8 base is the historic main Breckenridge ski base, anchored by the BreckConnect Gondola connecting Peak 8 to Main Street, the Vista Haus mid-mountain restaurant, the Breckenridge Adventure Park summer operation, and a substantial mid-rise and condo-complex inventory base. Mix of older 1980s-1990s base-area condos (selective premium renovation opportunity) plus newer 2000s-2020s base-area infill condo. The most walkable-to-Main-Street ski-base submarket.
Typical purchase price (1-3BR base-area condo): $485K-$1.25M. Typical AirDNA gross revenue projection: $55K-$115K. Typical annual occupancy: 60-68%. Typical ADR: $285-$525. Typical STR DSCR (75-80% LTV): 1.10-1.40x. Best for: Mid-tier-to-premium STR investors targeting walkable ski-base inventory with BreckConnect Gondola access, Main Street walkability, and selective renovation opportunity on older base-area condo stock.
The family-oriented ski-base condo submarket. The Peak 9 base is the family-oriented base area at Breckenridge Ski Resort, anchored by Beaver Run Resort and Mountain Thunder Lodge, with the Quicksilver Lift and the broader Peak 9 base infrastructure. Substantial 1-3BR ski-in/ski-out and walk-to-lift condo inventory at mid-tier ARV. The most family-oriented ski-base submarket.
Typical purchase price (1-3BR Peak 9 condo): $385K-$985K. Typical AirDNA gross revenue projection: $45K-$95K. Typical annual occupancy: 58-66%. Typical ADR: $245-$445. Typical STR DSCR (75-80% LTV): 1.10-1.40x. Best for: Cash-flow-balanced STR investors targeting family-oriented ski-base condo inventory at modestly lower entry prices than Peak 7 trophy or Peak 8 walkable.
The walkable downtown trophy submarket. Wellington (the walkable downtown Breckenridge neighborhood immediately west of Main Street with a mix of older historic cottages and newer infill) and Shock Hill (the trophy ski-in/ski-out neighborhood served by the Shock Hill Gondola station with premium custom-home and condo inventory). The most walkable-to-Main-Street trophy submarket.
Typical purchase price (3-5BR Wellington SFR): $1.15M-$2.85M+. Typical purchase price (Shock Hill 3-5BR): $1.85M-$4.85M+. Typical AirDNA gross revenue projection: $95K-$195K (Wellington), $135K-$245K (Shock Hill). Typical annual occupancy: 58-66%. Typical ADR: $485-$885. Typical STR DSCR (70-80% LTV): 1.00-1.30x. Best for: Premium STR investors targeting walkable downtown Breckenridge or ski-in/ski-out Shock Hill positioning with trophy ARV depth and Main Street pedestrian access.
The historic and east-side residential submarkets. Boreas Pass (the historic Breckenridge south-side residential corridor along the Boreas Pass Road with substantial historic cottage and SFR inventory, some pre-municipal-sewer septic, some inside Town of Breckenridge limits and some in unincorporated Summit County) and Baldy Mountain (the eastside residential corridor along Baldy Mountain Road with mid-tier-to-premium SFR inventory). Mix of historic cottage, SFR, and selective premium custom inventory.
Typical purchase price (3-5BR SFR): $885K-$2.15M. Typical AirDNA gross revenue projection: $75K-$165K. Typical annual occupancy: 56-64%. Typical ADR: $385-$685. Typical STR DSCR (75-80% LTV): 1.05-1.35x. Best for: STR investors targeting historic-character Breckenridge SFR inventory with Town of Breckenridge or unincorporated Summit County license verification and selective septic-and-snow-load diligence on older Boreas Pass inventory.
The established mid-tier SFR submarket. The Warriors Mark neighborhood east of Main Street with substantial 1970s-1990s mid-tier SFR inventory and selective newer infill. Walkable to Main Street and the BreckConnect Gondola. Mix of 3-5BR SFR inventory with active premium renovation opportunity on older 1970s-1980s SFR stock.
Typical purchase price (3-5BR SFR): $785K-$1.65M. Typical AirDNA gross revenue projection: $65K-$135K. Typical annual occupancy: 56-64%. Typical ADR: $345-$585. Typical STR DSCR (75-80% LTV): 1.10-1.40x. Best for: Cash-flow-balanced STR investors targeting walkable mid-tier Breckenridge SFR with selective renovation upside on older 1970s-1980s SFR stock and consistent Town of Breckenridge STR license framework.
All ranges above reflect typical recent activity at the time of publication. Specific deals are underwritten to actual comparable AirDNA reports plus Breckenridge submarket comparable sales within 0.5 miles in the last 6 months. Numbers move; the appraisal, the AirDNA report, and the STR license verification decide.
The mechanics of a Pinnacle Funding Network STR DSCR loan in Breckenridge are designed for the actual Colorado ski-town vacation rental investor.
30-year fixed (and ARM options). Standard product is a 30-year fixed-rate loan. ARM products (5/1, 7/1, 10/1) are available for investors who want lower starting rates and have a defined refinance timeline.
LTV up to 80% on purchase (inventory below $1M ARV). Up to 80 percent loan-to-value on STR purchase for inventory below $1M ARV. Premium inventory $1M-$2M ARV typically carries 75% LTV. Trophy inventory above $2M ARV typically carries 70% LTV. Cash-out refinances on STR cap at 70-75% LTV. Rate-and-term refinances can match purchase LTV. Foreign national and self-employed programs typically run 5 to 10 percent tighter on LTV.
20-25% down standard. 20 percent on inventory below $1M; 25 percent on $1M-$2M; 30 percent on $2M+. Foreign national programs typically require 25-30 percent across all ARV tiers. Lenders look for 12 to 18 months of PITIA reserves on Breckenridge STR DSCR given the structurally seasonal ski-town demand calendar (winter peak December through April, shoulder May plus October-November, summer June through September).
STR DSCR minimum 1.00x for top pricing. 1.00 STR DSCR using AirDNA-projected revenue at 75-85% of stated projection (or blended with actual operating history where 12-plus months are available) qualifies for best pricing. Programs available down to 0.75 STR DSCR with rate adjustment for premium-trophy Peak 7 ski-in/ski-out or Shock Hill premium inventory.
No tax returns, no W-2s, no employment verification. The property qualifies on AirDNA-projected revenue or actual STR operating history, not the borrower's personal income.
Loan range $100K to $5M+. Sized to the deal. A $385K Peak 9 family-oriented condo is financed the same way as a $3.85M Shock Hill trophy custom purchase.
Rates and pricing. As of June 2026, DSCR rates start at 5.8 percent on a 30-year fixed for STR DSCR. Origination typically 1.5 to 2.5 points on STR DSCR. Premium trophy-tier ARV programs may carry rate or point premium.
Close in 20 to 30 days. Standard 20 to 30 days, with the timeline driven by AirDNA underwriting, Town of Breckenridge or Summit County STR license verification (the highest-frequency Breckenridge closing-delay variable), Colorado WUI insurance binding, and condo lending warrantability on Peak 7 and Peak 8 ski-base condo inventory.
Foreign national and self-employed qualifying available. Breckenridge foreign national activity is meaningful particularly across Canadian (premium ski-in/ski-out Peak 7 and Shock Hill), Mexican, and selective European capital channels. Self-employed activity is meaningful across the broader business-owner Front Range and out-of-state investor base.
The following is a representative deal structure. Specific terms are quoted on the actual deal at application.
Property: 2BR/2BA base-area condo, 1,100 sqft, built 2004, Peak 8 base area (walking distance to BreckConnect Gondola and Peak 8 base lifts, walk-to-Main Street via gondola).
Purchase price (ARV): $785,000
Loan structure (80% LTV, STR DSCR program): $628,000 loan amount, 30-year fixed, 7.875 percent rate
AirDNA Market Revenue projection: $98,000 gross annual revenue projection at the parcel level (based on Peak 8 base-area 2BR condo comparable inventory). Lender underwriting at 85% of AirDNA stated projection: $83,300 underwritten gross revenue. STR operating expense overlay (typical 30-34% of gross for Breckenridge base-area condo covering Summit County and Town of Breckenridge tax structure, property management commission, cleaning, supplies, utilities including winter heat, internet, snow removal, repairs and maintenance): approximately $26,500 annual operating expenses. Net STR operating revenue after expenses but before debt service: approximately $56,800.
Annual PITIA breakdown:
Principal & Interest: $54,600/year ($4,550/month)
Property Tax (Colorado Summit County non-residential at approximately 0.48% effective on the actual value; Colorado has a structurally low statewide residential property tax assessment with a higher non-residential ratio for true investment-property classification): ~$5,000/year
Hazard Insurance (Colorado mountain-town plus selective WUI exposure): ~$3,800/year
HOA (Peak 8 base-area condo association, includes some master amenities): ~$11,400/year
Total annual PITIA: ~$74,800
STR DSCR calculation: Using AirDNA underwriting convention (gross revenue underwritten at 85% of AirDNA stated, dividing by PITIA without expense deduction since the STR operating expense overlay is built into the rate and reserve requirements): $83,300 / $74,800 = 1.11x. Using the more conservative net-revenue-after-STR-operating-expense convention: $56,800 / $74,800 = 0.76x.
Comfortably above the 1.00 DSCR target for top pricing using the gross-revenue underwriting convention. The Peak 8 base-area submarket combines walkable ski-base demand with BreckConnect Gondola access to Main Street, broad mid-tier AirDNA support, and reliable Town of Breckenridge STR license framework. Note that Colorado's structurally low property tax burden is a meaningful Breckenridge STR DSCR advantage (the tax line item is roughly 40-50% lower per dollar of ARV than Texas, Illinois, or New Jersey equivalents) that helps offset the higher HOA assessment typical at ski-base condo product.
Cash to close estimate: Down payment $157,000 plus closing costs ~$11,500. Plan total cash deployed at ~$168,500 plus 12-18 months of PITIA reserves (~$75K-$112K) held in liquid reserve.
This is the Peak 8 base-area STR economics that Pinnacle's STR DSCR programs are built for. We model the actual deal on actual AirDNA Market Revenue reports at the parcel level, actual Summit County Assessor data, actual Colorado insurance binders, actual Town of Breckenridge STR license verification, and actual HOA assessment schedules, not template mountain-town assumptions.
Beyond STR DSCR, Pinnacle Funding Network handles the broader Breckenridge investor product set through the same relationship.
Long-term rental DSCR. Some Breckenridge investors operate long-stay seasonal-employee LTR (Vail Resorts seasonal-employee housing demand is meaningful in Summit County) or stable annual LTR rather than full STR. Long-term rental DSCR using actual lease income or market rent appraisal is available on Breckenridge inventory at standard DSCR program terms.
Fix and flip and substantial renovation. Selective premium renovation activity concentrates in older Wellington (pre-2000 historic cottage stock with active premium renovation), Warriors Mark (1970s-1980s SFR repositioning), older Peak 8 base-area condo (selective renovation), and selective older Boreas Pass historic inventory. Standard fix and flip terms run up to 85 percent Loan-to-Cost on purchase plus 100 percent of approved rehab budget, capped at 75 percent of After-Repair Value. Verify snow load roof engineering and foundation freeze-line specs on older Boreas Pass inventory.
Bridge financing. Six to 18 month bridge terms for 1031 exchange timing (Breckenridge is a substantial 1031 exchange destination for premium ski-town capital), estate properties, premium custom-home conversion bridge during permit work, and out-of-state investor portfolio acquisitions.
Ground-up new construction. Selective infill activity across the Breckenridge town corridor (constrained by limited remaining vacant parcels in town), Wellington master-plan continuation parcels where available, and selective premium custom-build infill. LTC up to 80 percent, 100 percent of construction budget in scheduled draws.
Foreign national programs. Premium Peak 7 ski-in/ski-out, Shock Hill trophy, and Wellington premium inventory. No US credit, asset-based qualification. Canadian channels are meaningful given the established Western Canadian ski-town capital flow.
Self-employed programs. Property cash-flow qualification, no personal income docs. Meaningful across the Breckenridge investor base, which carries a substantial Front Range business-owner cohort.
Every market has friction points that determine timeline and budget. Here are the ones that consistently matter in Breckenridge.
Town of Breckenridge Short-Term Rental Overlay Zone framework and Summit County STR licensing. The single highest-frequency Breckenridge STR underwriting variable. The Town of Breckenridge Overlay Zone framework divides the town into Resort Zone 1 (ski-base, license caps tightened), Tourism Zone 2 (downtown and adjacent, license caps), and Neighborhood Zone 3 (residential, more permissive but with sub-area provisions and primary-residence-only sub-zones). Inventory outside Town limits but inside unincorporated Summit County is regulated separately under the Summit County STR licensing framework with its own basin-level license caps and density management. Existing license transferability at sale (vs new license availability in capped zones) is the central operational variable on every Breckenridge deal. Pinnacle verifies STR license status, zone classification, transferability, and (where applicable) new-license-queue position at contract on every Breckenridge deal.
Colorado WUI (Wildland-Urban Interface) insurance and the post-Marshall Fire Colorado insurance market. Colorado's WUI insurance pricing applies to inventory in or immediately adjacent to forest fuel zones (selective Breckenridge inventory carries WUI-elevated premium). The Colorado insurance market has tightened broadly since the December 2021 Marshall Fire and the broader Colorado wildfire context. Verify wildfire-adjacent fuel zones, defensible space compliance, recent fire damage history (none locally to Breckenridge in recent years, but East Troublesome 2020 and the broader regional context still affects carrier appetite), and updated wildfire mitigation status at pre-purchase inspection.
Snow load roof engineering and high-elevation construction realities. Breckenridge sits at 9,600 feet base elevation with substantial annual snowfall (typically 300-plus inches at the Peak 8 mid-mountain). Roof engineering and snow load specifications matter for both newer and older inventory; updated snow load engineering certification can produce insurance benefit and reduces structural risk on older inventory. Verify roof structural status and recent snow load engineering review on inventory older than 1995.
Septic systems on older outer-Summit-County inventory. Inventory inside Town of Breckenridge limits is typically on municipal sewer; older Boreas Pass, broader Summit County, and outlying inventory may operate on septic rather than municipal sewer. Verify septic system condition, capacity (per Summit County environmental health requirements), and recent inspection status at contract. Older septic systems can require replacement at substantial cost; this is a Summit County-specific diligence item.
Winter access realities and property management logistics. Hoosier Pass closure events (the south route between Breckenridge and Fairplay closes selectively during heavy snowstorms), Loveland Pass weather (I-70 alternate routing during snowstorms), and I-70 ski-traffic congestion on weekends affect property management logistics and need to be factored into operating-expense overlay assumptions on properties outside walking distance of the BreckConnect Gondola and Main Street commercial core.
Condo lending warrantability on Peak 7 and Peak 8 ski-base condo inventory. Ski-base condo inventory (particularly hotel-condo dual-use product at Crystal Peak Lodge, Grand Lodge on Peak 7, Beaver Run Resort, and selective newer mid-rise ski-base condo) requires condo warrantability verification including HOA delinquency, hotel-condo dual-use lender restrictions, litigation exposure, reserve funding adequacy, and recent special assessment activity. Pinnacle's lender network includes programs that handle both warrantable and non-warrantable Breckenridge ski-base condo STR DSCR.
Colorado property tax structure (advantage on STR DSCR economics). Colorado operates a structurally low statewide property tax framework, with non-residential investment property at higher assessment ratio than primary residence but still materially below Texas, Illinois, or New Jersey equivalents. Summit County effective non-residential property tax typically runs 0.45-0.65% on the actual value. This is one of the central structural advantages of Colorado STR DSCR economics relative to higher-tax peer markets, and helps offset the higher HOA assessment typical at premium ski-base condo product.
STR DSCR specialist programs sized for the actual Breckenridge ski-town investor. Pinnacle's STR DSCR lender network covers the full Breckenridge deal-size range, $100K to $5M+, in a single relationship. From entry-level Peak 9 family-oriented condo to trophy Shock Hill or Peak 7 premium ski-in/ski-out, one team handles the whole range.
Town of Breckenridge Overlay Zone and Summit County STR licensing expertise. Breckenridge STR DSCR requires clean handling of the Resort Zone 1 / Tourism Zone 2 / Neighborhood Zone 3 framework plus the separate Summit County STR licensing framework for unincorporated parcels. License transferability at sale is the central deal variable; Pinnacle verifies status at contract on every Breckenridge deal.
AirDNA underwriting expertise on the structurally seasonal ski-town calendar. Breckenridge STR DSCR underwriting requires careful handling of AirDNA Market Revenue projection conservatism (75-85% of stated AirDNA projection), AirDNA-vs-actual-operating-history blending, and STR operating expense overlay convention (30-34% typical for ski-base condo product given winter utilities and snow removal).
Colorado WUI insurance and high-elevation snow load expertise. Pinnacle works with Colorado insurance brokers experienced in mountain-town WUI placement and snow load engineering verification. We handle wildfire mitigation and snow load roof certification review at contract where applicable.
Speed within Breckenridge's operational reality. 20 to 30 day close standard. Breckenridge closes can stretch closer to 25 given STR license verification (the highest-frequency Breckenridge variable), Colorado WUI insurance binder timelines, condo warrantability verification on ski-base condo inventory, and Summit County title and recording timelines.
Multi-program flexibility under one relationship. STR DSCR for vacation rental holds, long-term rental DSCR for Vail Resorts seasonal-employee LTR and stable annual LTR, fix and flip on Wellington and Warriors Mark older SFR stock, bridge for 1031 exchange timing, foreign national for Canadian premium ski-in/ski-out capital, self-employed across the Front Range investor base. Same team handles your Peak 9 entry-level condo, your Wellington cottage renovation, your Peak 8 base-area STR purchase, and your Shock Hill trophy custom.
Correspondent model with multiple lender relationships. Pinnacle places loans across approximately ten institutional STR DSCR and RTL lenders, which matters in Breckenridge where condo warrantability tolerance, premium-tier ARV program access, WUI insurance tolerance, and foreign national program access all vary meaningfully across programs.
The fastest path from "I have a property under consideration" to "I have a term sheet" is the same-day quote. Submit the property address, purchase price, AirDNA report (if available; we can pull AirDNA at the parcel level if needed), current STR license status (existing license transferable at sale, new license availability, or unlicensed), and your target loan structure at pinnaclefundingnetwork.com/get-quote. We respond with a written term sheet (rate, points, LTV, DSCR threshold, term) typically inside one business day. No credit pull, no application fee, no obligation.
If the term sheet works, the next step is a formal application. From application to close runs 20 to 30 days on standard Breckenridge STR DSCR files. Title work, appraisal, AirDNA Market Revenue report at the parcel level, Town of Breckenridge or Summit County STR license verification, Colorado WUI insurance binder (where applicable), HOA assessment and covenant documentation, condo warrantability verification (for ski-base condo deals), septic verification (for older outer-Summit-County inventory), and standard hazard insurance binding all happen in parallel. A clean borrower with a clean Peak 9 or Wellington deal closes in as few as 20 days-20. Files involving STR license queue verification in Overlay Zone 1 or 2, condo non-warrantable program qualification on hotel-condo dual-use product, septic verification on older Boreas Pass inventory, or out-of-state investor first-Breckenridge-loan setup stretch toward 30. Either way, fast enough to win deals in Breckenridge.
James Loffredo, Founder and Principal
Pinnacle Funding Network
214-846-8602
info@pinnaclefundingnetwork.com
pinnaclefundingnetwork.com
Pinnacle Funding Network is a correspondent lender and loan originator. PFN originates loans and funds them through its network of institutional capital partners, who make final funding decisions; PFN may sell or assign loans at or after closing. Rates, terms, and programs are subject to change. All loan applications are subject to credit review, property appraisal, and underwriting approval. AirDNA Market Revenue projections, occupancy rates, ADR estimates, and STR DSCR ratios on this page are illustrative; actual deal terms depend on property-specific underwriting, parcel-level AirDNA reports, Town of Breckenridge or Summit County STR license verification, and current Summit County and submarket-level conditions.