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Short-Term Rental · Los Alamos, NM

Short-Term Rental Financing in Los Alamos, NM

Estimated 0.81x DSCR on a $550,000 short-term rental with $137,500 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$550,000
25% Down
$137,500
Loan Amount
$412,500
Est. Monthly PITIA
$3,516
Creditable STR Income
$2,862/mo
Est. DSCR Ratio
0.81x

Short-Term Rental investing in Los Alamos

Short-term rental financing in Los Alamos 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 Los Alamos median of $550,000, a short-term rental prices near $550,000. Minimum down is 25% ($137,500), leaving a loan of $412,500. Estimated all-in PITIA runs about $3,516 per month.

The Los Alamos ratio math on this product

Gross nightly revenue in Los Alamos models to about $3,975/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,862 of creditable income. Against a PITIA of $3,516, that is an estimated DSCR ratio of 0.81x. 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 Los Alamos median for this product: an estimated cap rate of 3.43%, and monthly cash flow of $654 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.

Los Alamos property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$550,00020% ($110,000)$2,650/mo0.72x
2–4 Unit Multi-Family$869,00025% ($217,250)$4,929/mo0.89x
Condo & Townhome$396,00020% ($79,200)$2,094/mo0.70x
Short-Term Rental (this page)$550,00025% ($137,500)$2,862/mo0.81x

All figures model a purchase at the Los Alamos median of $550,000 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 Los Alamos 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.

Los Alamos Short-Term Rental FAQ

More Los Alamos investor resources

Los Alamos investor guide
Full market analysis and loan options
Single-Family Rental in Los Alamos
0.72x est. DSCR
2–4 Unit Multi-Family in Los Alamos
0.89x est. DSCR
Condo & Townhome in Los Alamos
0.70x est. DSCR
Los Alamos County investor hub
Every market we finance in the county
DSCR loan requirements in New Mexico
DSCR payment calculator

Price a short-term rental in Los Alamos

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