Durango & Pagosa Springs Short-Term Rental Insights

“Wait, you don’t need my tax returns?” That was my reaction the first time a lender walked me through a DSCR loan. I’d assumed financing an investment property would look like every other mortgage: pay stubs, W-2s, two years of tax returns, and a long look at my personal income. Instead, the conversation kept coming back to the property itself. What will it earn? What will it cost to carry? Does the math work? That was a lightbulb moment, and it’s the same one I see on buyers