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Short-Term Rental · Broken Bow, OK

Short-Term Rental Financing in Broken Bow, OK

Estimated 0.90x DSCR on a $250,000 short-term rental with $62,500 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$250,000
25% Down
$62,500
Loan Amount
$187,500
Est. Monthly PITIA
$1,802
Creditable STR Income
$1,620/mo
Est. DSCR Ratio
0.90x

Short-Term Rental investing in Broken Bow

Short-term rental financing in Broken Bow 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 Broken Bow median of $250,000, a short-term rental prices near $250,000. Minimum down is 25% ($62,500), leaving a loan of $187,500. Estimated all-in PITIA runs about $1,802 per month.

The Broken Bow ratio math on this product

Gross nightly revenue in Broken Bow models to about $2,250/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $1,620 of creditable income. Against a PITIA of $1,802, that is an estimated DSCR ratio of 0.90x. That lands just under 1.0. It does not kill the deal in Broken Bow: moving to a larger down payment ($75,000) 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 Broken Bow median for this product: an estimated cap rate of 4.28%, and monthly cash flow of $182 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.

Broken Bow property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$250,00020% ($50,000)$1,050/mo0.56x
2–4 Unit Multi-Family$395,00025% ($98,750)$1,953/mo0.69x
Condo & Townhome$180,00020% ($36,000)$830/mo0.52x
Short-Term Rental (this page)$250,00025% ($62,500)$1,620/mo0.90x

All figures model a purchase at the Broken Bow median of $250,000 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 Broken Bow 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.

Broken Bow Short-Term Rental FAQ

More Broken Bow investor resources

Broken Bow investor guide
Full market analysis and loan options
Single-Family Rental in Broken Bow
0.56x est. DSCR
2–4 Unit Multi-Family in Broken Bow
0.69x est. DSCR
Condo & Townhome in Broken Bow
0.52x est. DSCR
Mccurtain County investor hub
Every market we finance in the county
DSCR loan requirements in Oklahoma
DSCR payment calculator

Price a short-term rental in Broken Bow

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

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