Single-Family Rental · Pinedale, WY

Single-Family Rental Financing in Pinedale, WY

Estimated 0.51x DSCR on a $545,000 single-family rental with $109,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$545,000
20% Down
$109,000
Loan Amount
$436,000
Est. Monthly PITIA
$3,755
Est. Monthly Rent
$1,900/mo
Est. DSCR Ratio
0.51x

Single-Family Rental investing in Pinedale

Single-family rentals are the cleanest DSCR file you can write in Pinedale. One unit, one lease, one Form 1007 market rent schedule, and the deepest set of sale and rent comps in the Sublette County appraisal market. Detached stock also carries the longest average tenancies, which is what actually protects the ratio you close at.

At the Pinedale median of $545,000, a single-family rental prices near $545,000. Minimum down is 20% ($109,000), leaving a loan of $436,000. Estimated all-in PITIA runs about $3,755 per month.

The Pinedale ratio math on this product

A long-term lease should produce roughly $1,900/month in gross rent. Against a PITIA of $3,755, that is an estimated DSCR ratio of 0.51x. 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 detached rentals: the appraiser's Form 1007 and your signed lease are compared and the lower number is used, so a below-market inherited tenant will cap your ratio no matter what the market says. Budget 5% of gross rent for vacancy and 8%–10% for management even if you self-manage — a lender will not require it, but the file should still pencil with it.

Returns and structure

Return metrics at the Pinedale median for this product: an estimated cap rate of 2.59%, and monthly cash flow of $1,855 negative at 20% 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.

Pinedale property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental (this page)$545,00020% ($109,000)$1,900/mo0.51x
2–4 Unit Multi-Family$861,10025% ($215,275)$3,534/mo0.62x
Condo & Townhome$392,40020% ($78,480)$1,501/mo0.49x
Short-Term Rental$545,00025% ($136,250)$2,934/mo0.82x

All figures model a purchase at the Pinedale median of $545,000 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 Pinedale median price and market rent, adjusted for single-family 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.

Pinedale Single-Family Rental FAQ

Price a single-family rental in Pinedale

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 Wyoming, and we close in an LLC or your personal name.

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