Night Caps: Fort Collins vs Loveland

Can I rent my Loveland STR for the full year?

Yes. Loveland does not impose any annual night cap on short-term rentals. A licensed operator (meaning licensed under LMC Chapter 3.16 for sales/use tax purposes) may book the dwelling up to 365 nights per year as long as the operator collects and remits the 3% city sales tax and 3% city Lodging Tax on each stay and complies with the city's general zoning, building, noise, and nuisance ordinances. There is no annual review process at which the city could limit operation.

Is there a density limit on Loveland STRs in residential neighborhoods?

No. Loveland has not adopted a density cap allocating STRs by neighborhood, block, or street segment (unlike Longmont, which limits STRs to one per street segment in its R-RU and R-SF zones, or Steamboat Springs and other mountain markets that use overlay zones). HOA-governed neighborhoods may impose private rental-frequency caps in their CC&Rs that are enforceable in civil court, but the city itself has no density rule.

Can one person own and operate multiple Loveland STRs?

Yes, under city law. Loveland has not codified an operator portfolio limit. A single owner may, in principle, operate STRs at multiple dwellings, subject only to the standard ownership, financing, zoning, and HOA rules that apply to every residential property. This is in contrast to Longmont, which limits each resident to one investment-dwelling STR in addition to STR activity in their primary residence. HOA CC&Rs and lender requirements may impose practical limits in specific neighborhoods.