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Short-Term Rental · Gautier, MS

Short-Term Rental Financing in Gautier, MS

Estimated 0.79x DSCR on a $200,000 short-term rental with $50,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$200,000
25% Down
$50,000
Loan Amount
$150,000
Est. Monthly PITIA
$1,513
Creditable STR Income
$1,188/mo
Est. DSCR Ratio
0.79x

Short-Term Rental investing in Gautier

Short-term rental financing in Gautier 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 Gautier median of $200,000, a short-term rental prices near $200,000. Minimum down is 25% ($50,000), leaving a loan of $150,000. Estimated all-in PITIA runs about $1,513 per month.

The Gautier ratio math on this product

Gross nightly revenue in Gautier models to about $1,650/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $1,188 of creditable income. Against a PITIA of $1,513, that is an estimated DSCR ratio of 0.79x. 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. 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 Gautier median for this product: an estimated cap rate of 3.92%, and monthly cash flow of $325 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.

Gautier property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$200,00020% ($40,000)$1,100/mo0.69x
2–4 Unit Multi-Family$316,00025% ($79,000)$2,046/mo0.86x
Condo & Townhome$144,00020% ($28,800)$869/mo0.63x
Short-Term Rental (this page)$200,00025% ($50,000)$1,188/mo0.79x

All figures model a purchase at the Gautier median of $200,000 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 Gautier 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.

Gautier Short-Term Rental FAQ

More Gautier investor resources

Gautier investor guide
Full market analysis and loan options
Single-Family Rental in Gautier
0.69x est. DSCR
2–4 Unit Multi-Family in Gautier
0.86x est. DSCR
Condo & Townhome in Gautier
0.63x est. DSCR
Jackson County investor hub
Every market we finance in the county
DSCR loan requirements in Mississippi
DSCR payment calculator

Price a short-term rental in Gautier

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