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Short-Term Rental · Edgartown, MA

Short-Term Rental Financing in Edgartown, MA

Estimated 0.58x DSCR on a $1,900,000 short-term rental with $475,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$1,900,000
25% Down
$475,000
Loan Amount
$1,425,000
Est. Monthly PITIA
$13,571
Creditable STR Income
$7,848/mo
Est. DSCR Ratio
0.58x

Short-Term Rental investing in Edgartown

Short-term rental financing in Edgartown 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 Edgartown median of $1,900,000, a short-term rental prices near $1,900,000. Minimum down is 25% ($475,000), leaving a loan of $1,425,000. Estimated all-in PITIA runs about $13,571 per month.

The Edgartown ratio math on this product

Gross nightly revenue in Edgartown models to about $10,900/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $7,848 of creditable income. Against a PITIA of $13,571, that is an estimated DSCR ratio of 0.58x. 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 Edgartown median for this product: an estimated cap rate of 2.73%, and monthly cash flow of $5,723 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. Note that the $1,425,000 loan amount exceeds the $806,500 conforming limit for Dukes County, so agency pricing is off the table and this is a jumbo DSCR file.

Edgartown property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$1,900,00020% ($380,000)$5,075/mo0.36x
2–4 Unit Multi-Family$3,002,00025% ($750,500)$9,440/mo0.44x
Condo & Townhome$1,368,00020% ($273,600)$4,009/mo0.37x
Short-Term Rental (this page)$1,900,00025% ($475,000)$7,848/mo0.58x

All figures model a purchase at the Edgartown median of $1,900,000 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 Edgartown 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.

Edgartown Short-Term Rental FAQ

More Edgartown investor resources

Edgartown investor guide
Full market analysis and loan options
Single-Family Rental in Edgartown
0.36x est. DSCR
2–4 Unit Multi-Family in Edgartown
0.44x est. DSCR
Condo & Townhome in Edgartown
0.37x est. DSCR
Dukes County investor hub
Every market we finance in the county
DSCR loan requirements in Massachusetts
DSCR payment calculator

Price a short-term rental in Edgartown

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

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