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Short-Term Rental · Bonita Springs, FL

Short-Term Rental Financing in Bonita Springs, FL

Estimated 0.69x DSCR on a $585,000 short-term rental with $146,250 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$585,000
25% Down
$146,250
Loan Amount
$438,750
Est. Monthly PITIA
$4,289
Creditable STR Income
$2,952/mo
Est. DSCR Ratio
0.69x

Short-Term Rental investing in Bonita Springs

Short-term rental financing in Bonita Springs 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 Bonita Springs median of $585,000, a short-term rental prices near $585,000. Minimum down is 25% ($146,250), leaving a loan of $438,750. Estimated all-in PITIA runs about $4,289 per month.

The Bonita Springs ratio math on this product

Gross nightly revenue in Bonita Springs 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 $4,289, that is an estimated DSCR ratio of 0.69x. 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 Bonita Springs median for this product: an estimated cap rate of 3.33%, and monthly cash flow of $1,337 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.

Bonita Springs property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$585,00020% ($117,000)$4,000/mo0.89x
2–4 Unit Multi-Family$924,30025% ($231,075)$7,440/mo1.10x
Condo & Townhome$421,20020% ($84,240)$3,160/mo0.88x
Short-Term Rental (this page)$585,00025% ($146,250)$2,952/mo0.69x

All figures model a purchase at the Bonita Springs median of $585,000 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 Bonita Springs 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.

Bonita Springs Short-Term Rental FAQ

More Bonita Springs investor resources

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

Price a short-term rental in Bonita Springs

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