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Short-Term Rental · H Street Corridor, DC

Short-Term Rental Financing in H Street Corridor, DC

Estimated 0.94x DSCR on a $750,000 short-term rental with $187,500 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$750,000
25% Down
$187,500
Loan Amount
$562,500
Est. Monthly PITIA
$4,663
Creditable STR Income
$4,374/mo
Est. DSCR Ratio
0.94x

Short-Term Rental investing in H Street Corridor

Short-term rental financing in H Street Corridor 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 H Street Corridor median of $750,000, a short-term rental prices near $750,000. Minimum down is 25% ($187,500), leaving a loan of $562,500. Estimated all-in PITIA runs about $4,663 per month.

The H Street Corridor ratio math on this product

Gross nightly revenue in H Street Corridor models to about $6,075/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $4,374 of creditable income. Against a PITIA of $4,663, that is an estimated DSCR ratio of 0.94x. That lands just under 1.0. It does not kill the deal in H Street Corridor: moving to a larger down payment ($225,000) 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 H Street Corridor median for this product: an estimated cap rate of 3.85%, and monthly cash flow of $289 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.

H Street Corridor property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$750,00020% ($150,000)$4,050/mo0.83x
2–4 Unit Multi-Family$1,185,00025% ($296,250)$7,533/mo1.02x
Condo & Townhome$540,00020% ($108,000)$3,200/mo0.80x
Short-Term Rental (this page)$750,00025% ($187,500)$4,374/mo0.94x

All figures model a purchase at the H Street Corridor median of $750,000 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 H Street Corridor 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.

H Street Corridor Short-Term Rental FAQ

More H Street Corridor investor resources

H Street Corridor investor guide
Full market analysis and loan options
Single-Family Rental in H Street Corridor
0.83x est. DSCR
2–4 Unit Multi-Family in H Street Corridor
1.02x est. DSCR
Condo & Townhome in H Street Corridor
0.80x est. DSCR
District Of Columbia County investor hub
Every market we finance in the county
DSCR loan requirements in Washington D.C.
DSCR payment calculator

Price a short-term rental in H Street Corridor

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