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Short-Term Rental · Logan Circle, DC

Short-Term Rental Financing in Logan Circle, DC

Estimated 0.92x DSCR on a $800,000 short-term rental with $200,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$800,000
25% Down
$200,000
Loan Amount
$600,000
Est. Monthly PITIA
$4,974
Creditable STR Income
$4,590/mo
Est. DSCR Ratio
0.92x

Short-Term Rental investing in Logan Circle

Short-term rental financing in Logan Circle 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 Logan Circle median of $800,000, a short-term rental prices near $800,000. Minimum down is 25% ($200,000), leaving a loan of $600,000. Estimated all-in PITIA runs about $4,974 per month.

The Logan Circle ratio math on this product

Gross nightly revenue in Logan Circle models to about $6,375/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $4,590 of creditable income. Against a PITIA of $4,974, that is an estimated DSCR ratio of 0.92x. That lands just under 1.0. It does not kill the deal in Logan Circle: moving to a larger down payment ($240,000) 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 Logan Circle median for this product: an estimated cap rate of 3.79%, and monthly cash flow of $384 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.

Logan Circle property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$800,00020% ($160,000)$4,250/mo0.82x
2–4 Unit Multi-Family$1,264,00025% ($316,000)$7,905/mo1.01x
Condo & Townhome$576,00020% ($115,200)$3,358/mo0.79x
Short-Term Rental (this page)$800,00025% ($200,000)$4,590/mo0.92x

All figures model a purchase at the Logan Circle median of $800,000 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 Logan Circle 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.

Logan Circle Short-Term Rental FAQ

More Logan Circle investor resources

Logan Circle investor guide
Full market analysis and loan options
Single-Family Rental in Logan Circle
0.82x est. DSCR
2–4 Unit Multi-Family in Logan Circle
1.01x est. DSCR
Condo & Townhome in Logan Circle
0.79x 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 Logan Circle

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