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Short-Term Rental · Irving, TX

Short-Term Rental Financing in Irving, TX

Estimated 0.77x DSCR on a $400,000 short-term rental with $100,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$400,000
25% Down
$100,000
Loan Amount
$300,000
Est. Monthly PITIA
$2,910
Creditable STR Income
$2,250/mo
Est. DSCR Ratio
0.77x

Short-Term Rental investing in Irving

Short-term rental financing in Irving 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 Irving median of $400,000, a short-term rental prices near $400,000. Minimum down is 25% ($100,000), leaving a loan of $300,000. Estimated all-in PITIA runs about $2,910 per month.

The Irving ratio math on this product

Gross nightly revenue in Irving models to about $3,125/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,250 of creditable income. Against a PITIA of $2,910, that is an estimated DSCR ratio of 0.77x. 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 Irving median for this product: an estimated cap rate of 3.71%, and monthly cash flow of $660 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.

Irving property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$400,00020% ($80,000)$2,075/mo0.68x
2–4 Unit Multi-Family$632,00025% ($158,000)$3,860/mo0.84x
Condo & Townhome$288,00020% ($57,600)$1,639/mo0.67x
Short-Term Rental (this page)$400,00025% ($100,000)$2,250/mo0.77x

All figures model a purchase at the Irving median of $400,000 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 Irving 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.

Irving Short-Term Rental FAQ

More Irving investor resources

Irving investor guide
Full market analysis and loan options
Single-Family Rental in Irving
0.68x est. DSCR
2–4 Unit Multi-Family in Irving
0.84x est. DSCR
Condo & Townhome in Irving
0.67x est. DSCR
Dallas County investor hub
Every market we finance in the county
DSCR loan requirements in Texas
DSCR payment calculator

Price a short-term rental in Irving

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