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Short-Term Rental · St. Simons Island, GA

Short-Term Rental Financing in St. Simons Island, GA

Estimated 0.88x DSCR on a $750,000 short-term rental with $187,500 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$750,000
25% Down
$187,500
Loan Amount
$562,500
Est. Monthly PITIA
$5,410
Creditable STR Income
$4,752/mo
Est. DSCR Ratio
0.88x

Short-Term Rental investing in St. Simons Island

Short-term rental financing in St. Simons Island 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. Simons Island median of $750,000, a short-term rental prices near $750,000. Minimum down is 25% ($187,500), leaving a loan of $562,500. Estimated all-in PITIA runs about $5,410 per month.

The St. Simons Island ratio math on this product

Gross nightly revenue in St. Simons Island models to about $6,600/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $4,752 of creditable income. Against a PITIA of $5,410, that is an estimated DSCR ratio of 0.88x. That lands just under 1.0. It does not kill the deal in St. Simons Island: moving to a larger down payment ($225,000) 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. Short-term rentals are active in this market; licensing and zoning are set locally and we verify the specific address before quoting. 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. Simons Island median for this product: an estimated cap rate of 4.18%, and monthly cash flow of $658 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.

St. Simons Island property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$750,00020% ($150,000)$3,075/mo0.54x
2–4 Unit Multi-Family$1,185,00025% ($296,250)$5,720/mo0.67x
Condo & Townhome$540,00020% ($108,000)$2,429/mo0.53x
Short-Term Rental (this page)$750,00025% ($187,500)$4,752/mo0.88x

All figures model a purchase at the St. Simons Island median of $750,000 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. Simons Island 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. Simons Island Short-Term Rental FAQ

More St. Simons Island investor resources

St. Simons Island investor guide
Full market analysis and loan options
Single-Family Rental in St. Simons Island
0.54x est. DSCR
2–4 Unit Multi-Family in St. Simons Island
0.67x est. DSCR
Condo & Townhome in St. Simons Island
0.53x est. DSCR
Glynn County investor hub
Every market we finance in the county
DSCR loan requirements in Georgia
DSCR payment calculator

Price a short-term rental in St. Simons Island

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

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