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Short-Term Rental · Port Royal, SC

Short-Term Rental Financing in Port Royal, SC

Estimated 0.71x DSCR on a $340,000 short-term rental with $85,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$340,000
25% Down
$85,000
Loan Amount
$255,000
Est. Monthly PITIA
$2,502
Creditable STR Income
$1,782/mo
Est. DSCR Ratio
0.71x

Short-Term Rental investing in Port Royal

Short-term rental financing in Port Royal 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 Port Royal median of $340,000, a short-term rental prices near $340,000. Minimum down is 25% ($85,000), leaving a loan of $255,000. Estimated all-in PITIA runs about $2,502 per month.

The Port Royal ratio math on this product

Gross nightly revenue in Port Royal models to about $2,475/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $1,782 of creditable income. Against a PITIA of $2,502, that is an estimated DSCR ratio of 0.71x. 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 Port Royal median for this product: an estimated cap rate of 3.46%, and monthly cash flow of $720 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.

Port Royal property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$340,00020% ($68,000)$1,650/mo0.63x
2–4 Unit Multi-Family$537,20025% ($134,300)$3,069/mo0.78x
Condo & Townhome$244,80020% ($48,960)$1,304/mo0.61x
Short-Term Rental (this page)$340,00025% ($85,000)$1,782/mo0.71x

All figures model a purchase at the Port Royal median of $340,000 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 Port Royal 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.

Port Royal Short-Term Rental FAQ

More Port Royal investor resources

Port Royal investor guide
Full market analysis and loan options
Single-Family Rental in Port Royal
0.63x est. DSCR
2–4 Unit Multi-Family in Port Royal
0.78x est. DSCR
Condo & Townhome in Port Royal
0.61x est. DSCR
Beaufort County investor hub
Every market we finance in the county
DSCR loan requirements in South Carolina
DSCR payment calculator

Price a short-term rental in Port Royal

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

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