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Short-Term Rental · Fort Worth, TX

Short-Term Rental Financing in Fort Worth, TX

Estimated 0.90x DSCR on a $340,000 short-term rental with $85,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$340,000
25% Down
$85,000
Loan Amount
$255,000
Est. Monthly PITIA
$2,473
Creditable STR Income
$2,214/mo
Est. DSCR Ratio
0.90x

Short-Term Rental investing in Fort Worth

Short-term rental financing in Fort Worth 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 Worth median of $340,000, a short-term rental prices near $340,000. Minimum down is 25% ($85,000), leaving a loan of $255,000. Estimated all-in PITIA runs about $2,473 per month.

The Fort Worth ratio math on this product

Gross nightly revenue in Fort Worth models to about $3,075/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,214 of creditable income. Against a PITIA of $2,473, that is an estimated DSCR ratio of 0.90x. That lands just under 1.0. It does not kill the deal in Fort Worth: moving to a larger down payment ($102,000) 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. Short-term rental activity is moderate here and local rules vary by zoning district. 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 Worth median for this product: an estimated cap rate of 4.30%, and monthly cash flow of $259 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 Worth property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$340,00020% ($68,000)$2,050/mo0.79x
2–4 Unit Multi-Family$537,20025% ($134,300)$3,813/mo0.98x
Condo & Townhome$244,80020% ($48,960)$1,620/mo0.77x
Short-Term Rental (this page)$340,00025% ($85,000)$2,214/mo0.90x

All figures model a purchase at the Fort Worth median of $340,000 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 Worth 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 Worth Short-Term Rental FAQ

More Fort Worth investor resources

Fort Worth investor guide
Full market analysis and loan options
Single-Family Rental in Fort Worth
0.79x est. DSCR
2–4 Unit Multi-Family in Fort Worth
0.98x est. DSCR
Condo & Townhome in Fort Worth
0.77x est. DSCR
Tarrant County investor hub
Every market we finance in the county
DSCR loan requirements in Texas
DSCR payment calculator

Price a short-term rental in Fort Worth

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