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Short-Term Rental · Fort Lauderdale, FL

Short-Term Rental Financing in Fort Lauderdale, FL

Estimated 0.70x DSCR on a $565,000 short-term rental with $141,250 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$565,000
25% Down
$141,250
Loan Amount
$423,750
Est. Monthly PITIA
$4,142
Creditable STR Income
$2,880/mo
Est. DSCR Ratio
0.70x

Short-Term Rental investing in Fort Lauderdale

Short-term rental financing in Fort Lauderdale 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 Fort Lauderdale median of $565,000, a short-term rental prices near $565,000. Minimum down is 25% ($141,250), leaving a loan of $423,750. Estimated all-in PITIA runs about $4,142 per month.

The Fort Lauderdale ratio math on this product

Gross nightly revenue in Fort Lauderdale models to about $4,000/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,880 of creditable income. Against a PITIA of $4,142, that is an estimated DSCR ratio of 0.70x. 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 Fort Lauderdale median for this product: an estimated cap rate of 3.36%, and monthly cash flow of $1,262 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.

Fort Lauderdale property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$565,00020% ($113,000)$3,800/mo0.88x
2–4 Unit Multi-Family$892,70025% ($223,175)$7,068/mo1.08x
Condo & Townhome$406,80020% ($81,360)$3,002/mo0.87x
Short-Term Rental (this page)$565,00025% ($141,250)$2,880/mo0.70x

All figures model a purchase at the Fort Lauderdale median of $565,000 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 Fort Lauderdale 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.

Fort Lauderdale Short-Term Rental FAQ

More Fort Lauderdale investor resources

Fort Lauderdale investor guide
Full market analysis and loan options
Single-Family Rental in Fort Lauderdale
0.88x est. DSCR
2–4 Unit Multi-Family in Fort Lauderdale
1.08x est. DSCR
Condo & Townhome in Fort Lauderdale
0.87x est. DSCR
Broward County investor hub
Every market we finance in the county
DSCR loan requirements in Florida
DSCR payment calculator

Price a short-term rental in Fort Lauderdale

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