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Short-Term Rental · Boca Raton, FL

Short-Term Rental Financing in Boca Raton, FL

Estimated 0.54x DSCR on a $685,000 short-term rental with $171,250 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$685,000
25% Down
$171,250
Loan Amount
$513,750
Est. Monthly PITIA
$5,021
Creditable STR Income
$2,736/mo
Est. DSCR Ratio
0.54x

Short-Term Rental investing in Boca Raton

Short-term rental financing in Boca Raton is a different underwriting product than a long-term DSCR loan even though it carries the same name. The lender is crediting nightly revenue instead of a signed lease, which means the documentation, the reserve requirement, and the permit diligence all change.

At the Boca Raton median of $685,000, a short-term rental prices near $685,000. Minimum down is 25% ($171,250), leaving a loan of $513,750. Estimated all-in PITIA runs about $5,021 per month.

The Boca Raton ratio math on this product

Gross nightly revenue in Boca Raton models to about $3,800/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,736 of creditable income. Against a PITIA of $5,021, that is an estimated DSCR ratio of 0.54x. That is below the 1.0 threshold, which is normal at this basis. Financing here works one of three ways — more money down, a no-ratio DSCR product, or qualifying on documented short-term rental revenue.

Underwriting notes specific to STR files: plan on 25% down as the floor, six months of PITIA in reserves, and either twelve months of Airbnb/VRBO earnings statements on the subject property or a third-party market revenue study for a property with no operating history. No Verify the permit status of the exact address before you go hard on earnest money — an unpermitted STR is an unfinanceable STR on this product.

Returns and structure

Return metrics at the Boca Raton median for this product: an estimated cap rate of 2.64%, and monthly cash flow of $2,285 negative at 25% down. Negative cash flow at the minimum down payment is common in appreciation-led markets; investors close the gap with a larger down payment, a purchase below median, an added unit, or a rate buydown.

Boca Raton property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$685,00020% ($137,000)$4,000/mo0.76x
2–4 Unit Multi-Family$1,082,30025% ($270,575)$7,440/mo0.94x
Condo & Townhome$493,20020% ($98,640)$3,160/mo0.77x
Short-Term Rental (this page)$685,00025% ($171,250)$2,736/mo0.54x

All figures model a purchase at the Boca Raton median of $685,000 with the property-type adjustments described above, at an illustrative 7.50% DSCR rate on a 30-year fixed. Short-term rental income is shown after the standard lender haircut.

Figures on this page are modeled estimates derived from the Boca Raton median price and market rent, adjusted for short-term rental product characteristics. They are illustrative, not a loan offer or an appraisal. Actual pricing, rent, taxes, insurance, HOA dues and DSCR depend on the specific property and on conditions at the time of application.

Boca Raton Short-Term Rental FAQ

More Boca Raton investor resources

Boca Raton investor guide
Full market analysis and loan options
Single-Family Rental in Boca Raton
0.76x est. DSCR
2–4 Unit Multi-Family in Boca Raton
0.94x est. DSCR
Condo & Townhome in Boca Raton
0.77x est. DSCR
Palm Beach County investor hub
Every market we finance in the county
DSCR loan requirements in Florida
DSCR payment calculator

Price a short-term rental in Boca Raton

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