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Short-Term Rental · St. Cloud, FL

Short-Term Rental Financing in St. Cloud, FL

Estimated 0.00x DSCR on a $390,000 short-term rental with $97,500 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$390,000
25% Down
$97,500
Loan Amount
$292,500
Est. Monthly PITIA
$0
Creditable STR Income
$2,196/mo
Est. DSCR Ratio
0.00x

Short-Term Rental investing in St. Cloud

Short-term rental financing in St. Cloud 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 St. Cloud median of $390,000, a short-term rental prices near $390,000. Minimum down is 25% ($97,500), leaving a loan of $292,500. Estimated all-in PITIA runs about $0 per month.

The St. Cloud ratio math on this product

Gross nightly revenue in St. Cloud models to about $3,050/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,196 of creditable income. Against a PITIA of $0, that is an estimated DSCR ratio of 0.00x. 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 St. Cloud median for this product: an estimated cap rate of 3.72%, and monthly cash flow of $2,196 positive at 25% down. A file that cash-flows at the minimum down payment is the exception in Florida right now, and it gives you room to absorb an insurance renewal without going to the reserve account.

St. Cloud property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Short-Term Rental (this page)$390,00025% ($97,500)$2,196/mo0.00x

All figures model a purchase at the St. Cloud median of $390,000 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 St. Cloud 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.

St. Cloud Short-Term Rental FAQ

More St. Cloud investor resources

St. Cloud investor guide
Full market analysis and loan options
Osceola County investor hub
Every market we finance in the county
DSCR loan requirements in Florida
DSCR payment calculator

Price a short-term rental in St. Cloud

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