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Short-Term Rental · Gulf Breeze, FL

Short-Term Rental Financing in Gulf Breeze, FL

Estimated 0.79x DSCR on a $485,000 short-term rental with $121,250 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$485,000
25% Down
$121,250
Loan Amount
$363,750
Est. Monthly PITIA
$3,555
Creditable STR Income
$2,808/mo
Est. DSCR Ratio
0.79x

Short-Term Rental investing in Gulf Breeze

Short-term rental financing in Gulf Breeze 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 Gulf Breeze median of $485,000, a short-term rental prices near $485,000. Minimum down is 25% ($121,250), leaving a loan of $363,750. Estimated all-in PITIA runs about $3,555 per month.

The Gulf Breeze ratio math on this product

Gross nightly revenue in Gulf Breeze 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 $3,555, 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. 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 Gulf Breeze median for this product: an estimated cap rate of 3.82%, and monthly cash flow of $747 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.

Gulf Breeze property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$485,00020% ($97,000)$3,600/mo0.97x
2–4 Unit Multi-Family$766,30025% ($191,575)$6,696/mo1.19x
Condo & Townhome$349,20020% ($69,840)$2,844/mo0.94x
Short-Term Rental (this page)$485,00025% ($121,250)$2,808/mo0.79x

All figures model a purchase at the Gulf Breeze median of $485,000 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 Gulf Breeze 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.

Gulf Breeze Short-Term Rental FAQ

More Gulf Breeze investor resources

Gulf Breeze investor guide
Full market analysis and loan options
Single-Family Rental in Gulf Breeze
0.97x est. DSCR
2–4 Unit Multi-Family in Gulf Breeze
1.19x est. DSCR
Condo & Townhome in Gulf Breeze
0.94x est. DSCR
Santa Rosa County investor hub
Every market we finance in the county
DSCR loan requirements in Florida
DSCR payment calculator

Price a short-term rental in Gulf Breeze

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