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Short-Term Rental · Sarasota, FL

Short-Term Rental Financing in Sarasota, FL

Estimated 0.77x DSCR on a $525,000 short-term rental with $131,250 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$525,000
25% Down
$131,250
Loan Amount
$393,750
Est. Monthly PITIA
$3,849
Creditable STR Income
$2,952/mo
Est. DSCR Ratio
0.77x

Short-Term Rental investing in Sarasota

Short-term rental financing in Sarasota 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 Sarasota median of $525,000, a short-term rental prices near $525,000. Minimum down is 25% ($131,250), leaving a loan of $393,750. Estimated all-in PITIA runs about $3,849 per month.

The Sarasota ratio math on this product

Gross nightly revenue in Sarasota models to about $4,100/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,952 of creditable income. Against a PITIA of $3,849, that is an estimated DSCR ratio of 0.77x. 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. 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 Sarasota median for this product: an estimated cap rate of 3.71%, and monthly cash flow of $897 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.

Sarasota property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$525,00020% ($105,000)$3,600/mo0.89x
2–4 Unit Multi-Family$829,50025% ($207,375)$6,696/mo1.10x
Condo & Townhome$378,00020% ($75,600)$2,844/mo0.88x
Short-Term Rental (this page)$525,00025% ($131,250)$2,952/mo0.77x

All figures model a purchase at the Sarasota median of $525,000 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 Sarasota 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.

Sarasota Short-Term Rental FAQ

More Sarasota investor resources

Sarasota investor guide
Full market analysis and loan options
Single-Family Rental in Sarasota
0.89x est. DSCR
2–4 Unit Multi-Family in Sarasota
1.10x est. DSCR
Condo & Townhome in Sarasota
0.88x est. DSCR
Sarasota County investor hub
Every market we finance in the county
DSCR loan requirements in Florida
DSCR payment calculator

Price a short-term rental in Sarasota

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