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Short-Term Rental · Bay St. Louis, MS

Short-Term Rental Financing in Bay St. Louis, MS

Estimated 0.85x DSCR on a $300,000 short-term rental with $75,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$300,000
25% Down
$75,000
Loan Amount
$225,000
Est. Monthly PITIA
$2,183
Creditable STR Income
$1,854/mo
Est. DSCR Ratio
0.85x

Short-Term Rental investing in Bay St. Louis

Short-term rental financing in Bay St. Louis 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 Bay St. Louis median of $300,000, a short-term rental prices near $300,000. Minimum down is 25% ($75,000), leaving a loan of $225,000. Estimated all-in PITIA runs about $2,183 per month.

The Bay St. Louis ratio math on this product

Gross nightly revenue in Bay St. Louis models to about $2,575/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $1,854 of creditable income. Against a PITIA of $2,183, that is an estimated DSCR ratio of 0.85x. 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 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 Bay St. Louis median for this product: an estimated cap rate of 4.08%, and monthly cash flow of $329 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.

Bay St. Louis property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$300,00020% ($60,000)$1,200/mo0.52x
2–4 Unit Multi-Family$474,00025% ($118,500)$2,232/mo0.65x
Condo & Townhome$216,00020% ($43,200)$948/mo0.50x
Short-Term Rental (this page)$300,00025% ($75,000)$1,854/mo0.85x

All figures model a purchase at the Bay St. Louis median of $300,000 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 Bay St. Louis 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.

Bay St. Louis Short-Term Rental FAQ

More Bay St. Louis investor resources

Bay St. Louis investor guide
Full market analysis and loan options
Single-Family Rental in Bay St. Louis
0.52x est. DSCR
2–4 Unit Multi-Family in Bay St. Louis
0.65x est. DSCR
Condo & Townhome in Bay St. Louis
0.50x est. DSCR
Hancock County investor hub
Every market we finance in the county
DSCR loan requirements in Mississippi
DSCR payment calculator

Price a short-term rental in Bay St. Louis

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

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