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Short-Term Rental · Tacoma, WA

Short-Term Rental Financing in Tacoma, WA

Estimated 0.95x DSCR on a $470,000 short-term rental with $117,500 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$470,000
25% Down
$117,500
Loan Amount
$352,500
Est. Monthly PITIA
$3,020
Creditable STR Income
$2,862/mo
Est. DSCR Ratio
0.95x

Short-Term Rental investing in Tacoma

Short-term rental financing in Tacoma 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 Tacoma median of $470,000, a short-term rental prices near $470,000. Minimum down is 25% ($117,500), leaving a loan of $352,500. Estimated all-in PITIA runs about $3,020 per month.

The Tacoma ratio math on this product

Gross nightly revenue in Tacoma models to about $3,975/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,862 of creditable income. Against a PITIA of $3,020, that is an estimated DSCR ratio of 0.95x. That lands just under 1.0. It does not kill the deal in Tacoma: moving to a larger down payment ($141,000) 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 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 Tacoma median for this product: an estimated cap rate of 4.02%, and monthly cash flow of $158 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.

Tacoma property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$470,00020% ($94,000)$2,650/mo0.84x
2–4 Unit Multi-Family$742,60025% ($185,650)$4,929/mo1.03x
Condo & Townhome$338,40020% ($67,680)$2,094/mo0.80x
Short-Term Rental (this page)$470,00025% ($117,500)$2,862/mo0.95x

All figures model a purchase at the Tacoma median of $470,000 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 Tacoma 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.

Tacoma Short-Term Rental FAQ

More Tacoma investor resources

Tacoma investor guide
Full market analysis and loan options
Single-Family Rental in Tacoma
0.84x est. DSCR
2–4 Unit Multi-Family in Tacoma
1.03x est. DSCR
Condo & Townhome in Tacoma
0.80x est. DSCR
Pierce County investor hub
Every market we finance in the county
DSCR loan requirements in Washington
DSCR payment calculator

Price a short-term rental in Tacoma

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