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Short-Term Rental · Fairfield, CT

Short-Term Rental Financing in Fairfield, CT

Estimated 0.57x DSCR on a $800,000 short-term rental with $200,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$800,000
25% Down
$200,000
Loan Amount
$600,000
Est. Monthly PITIA
$6,177
Creditable STR Income
$3,492/mo
Est. DSCR Ratio
0.57x

Short-Term Rental investing in Fairfield

Short-term rental financing in Fairfield 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 Fairfield median of $800,000, a short-term rental prices near $800,000. Minimum down is 25% ($200,000), leaving a loan of $600,000. Estimated all-in PITIA runs about $6,177 per month.

The Fairfield ratio math on this product

Gross nightly revenue in Fairfield models to about $4,850/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $3,492 of creditable income. Against a PITIA of $6,177, that is an estimated DSCR ratio of 0.57x. 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 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 Fairfield median for this product: an estimated cap rate of 2.88%, and monthly cash flow of $2,685 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.

Fairfield property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$800,00020% ($160,000)$3,225/mo0.50x
2–4 Unit Multi-Family$1,264,00025% ($316,000)$5,999/mo0.61x
Condo & Townhome$576,00020% ($115,200)$2,548/mo0.50x
Short-Term Rental (this page)$800,00025% ($200,000)$3,492/mo0.57x

All figures model a purchase at the Fairfield median of $800,000 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 Fairfield 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.

Fairfield Short-Term Rental FAQ

More Fairfield investor resources

Fairfield investor guide
Full market analysis and loan options
Single-Family Rental in Fairfield
0.50x est. DSCR
2–4 Unit Multi-Family in Fairfield
0.61x est. DSCR
Condo & Townhome in Fairfield
0.50x est. DSCR
Fairfield County investor hub
Every market we finance in the county
DSCR loan requirements in Connecticut
DSCR payment calculator

Price a short-term rental in Fairfield

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