Tayton Capital
EN
Short-Term Rental · Naples, FL

Short-Term Rental Financing in Naples, FL

Estimated 0.99x DSCR on a $795,000 short-term rental with $198,750 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$795,000
25% Down
$198,750
Loan Amount
$596,250
Est. Monthly PITIA
$5,828
Creditable STR Income
$5,760/mo
Est. DSCR Ratio
0.99x

Short-Term Rental investing in Naples

Short-term rental financing in Naples 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 Naples median of $795,000, a short-term rental prices near $795,000. Minimum down is 25% ($198,750), leaving a loan of $596,250. Estimated all-in PITIA runs about $5,828 per month.

The Naples ratio math on this product

Gross nightly revenue in Naples models to about $8,000/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $5,760 of creditable income. Against a PITIA of $5,828, that is an estimated DSCR ratio of 0.99x. That lands just under 1.0. It does not kill the deal in Naples: moving to a larger down payment ($238,500) 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. 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 Naples median for this product: an estimated cap rate of 4.78%, and monthly cash flow of $68 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.

Naples property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$795,00020% ($159,000)$4,600/mo0.75x
2–4 Unit Multi-Family$1,256,10025% ($314,025)$8,556/mo0.93x
Condo & Townhome$572,40020% ($114,480)$3,634/mo0.75x
Short-Term Rental (this page)$795,00025% ($198,750)$5,760/mo0.99x

All figures model a purchase at the Naples median of $795,000 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 Naples 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.

Naples Short-Term Rental FAQ

More Naples investor resources

Naples investor guide
Full market analysis and loan options
Single-Family Rental in Naples
0.75x est. DSCR
2–4 Unit Multi-Family in Naples
0.93x est. DSCR
Condo & Townhome in Naples
0.75x est. DSCR
Collier County investor hub
Every market we finance in the county
DSCR loan requirements in Florida
DSCR payment calculator

Price a short-term rental in Naples

Send us the address and we'll model the real DSCR ratio, PITIA and cash flow on that specific property — usually the same day. Licensed in Florida, and we close in an LLC or your personal name.

Get My Investment Analysis Talk to a Loan Officer

Keep exploring

Related pages

Comenzar

Ve tus opciones de préstamo en minutos.

Cuéntanos un poco sobre ti y te contactaremos personalmente — generalmente dentro de un día hábil.

O llama al (970) 708-9624

Términos · Política de Privacidad

Get a quoteApply Now