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Short-Term Rental · Helena, MT

Short-Term Rental Financing in Helena, MT

Estimated 0.96x DSCR on a $465,000 short-term rental with $116,250 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$465,000
25% Down
$116,250
Loan Amount
$348,750
Est. Monthly PITIA
$2,973
Creditable STR Income
$2,844/mo
Est. DSCR Ratio
0.96x

Short-Term Rental investing in Helena

Short-term rental financing in Helena 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 Helena median of $465,000, a short-term rental prices near $465,000. Minimum down is 25% ($116,250), leaving a loan of $348,750. Estimated all-in PITIA runs about $2,973 per month.

The Helena ratio math on this product

Gross nightly revenue in Helena models to about $3,950/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,844 of creditable income. Against a PITIA of $2,973, that is an estimated DSCR ratio of 0.96x. That lands just under 1.0. It does not kill the deal in Helena: moving to a larger down payment ($139,500) 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 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 Helena median for this product: an estimated cap rate of 4.04%, and monthly cash flow of $129 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.

Helena property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$465,00020% ($93,000)$2,625/mo0.84x
2–4 Unit Multi-Family$734,70025% ($183,675)$4,883/mo1.04x
Condo & Townhome$334,80020% ($66,960)$2,074/mo0.80x
Short-Term Rental (this page)$465,00025% ($116,250)$2,844/mo0.96x

All figures model a purchase at the Helena median of $465,000 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 Helena 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.

Helena Short-Term Rental FAQ

More Helena investor resources

Helena investor guide
Full market analysis and loan options
Single-Family Rental in Helena
0.84x est. DSCR
2–4 Unit Multi-Family in Helena
1.04x est. DSCR
Condo & Townhome in Helena
0.80x est. DSCR
Lewis and Clark County investor hub
Every market we finance in the county
DSCR loan requirements in Montana
DSCR payment calculator

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