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Short-Term Rental · Clearwater, FL

Short-Term Rental Financing in Clearwater, FL

Estimated 0.86x DSCR on a $445,000 short-term rental with $111,250 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$445,000
25% Down
$111,250
Loan Amount
$333,750
Est. Monthly PITIA
$3,262
Creditable STR Income
$2,808/mo
Est. DSCR Ratio
0.86x

Short-Term Rental investing in Clearwater

Short-term rental financing in Clearwater 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 Clearwater median of $445,000, a short-term rental prices near $445,000. Minimum down is 25% ($111,250), leaving a loan of $333,750. Estimated all-in PITIA runs about $3,262 per month.

The Clearwater ratio math on this product

Gross nightly revenue in Clearwater models to about $3,900/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,808 of creditable income. Against a PITIA of $3,262, that is an estimated DSCR ratio of 0.86x. That lands just under 1.0. It does not kill the deal in Clearwater: moving to a larger down payment ($133,500) usually closes the gap, and several shelves fund down to 0.75x with a rate add-on.

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 Clearwater median for this product: an estimated cap rate of 4.16%, and monthly cash flow of $454 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.

Clearwater property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$445,00020% ($89,000)$3,300/mo0.97x
2–4 Unit Multi-Family$703,10025% ($175,775)$6,138/mo1.19x
Condo & Townhome$320,40020% ($64,080)$2,607/mo0.93x
Short-Term Rental (this page)$445,00025% ($111,250)$2,808/mo0.86x

All figures model a purchase at the Clearwater median of $445,000 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 Clearwater 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.

Clearwater Short-Term Rental FAQ

More Clearwater investor resources

Clearwater investor guide
Full market analysis and loan options
Single-Family Rental in Clearwater
0.97x est. DSCR
2–4 Unit Multi-Family in Clearwater
1.19x est. DSCR
Condo & Townhome in Clearwater
0.93x est. DSCR
Pinellas County investor hub
Every market we finance in the county
DSCR loan requirements in Florida
DSCR payment calculator

Price a short-term rental in Clearwater

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