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Short-Term Rental · Jackson, WY

Short-Term Rental Financing in Jackson, WY

Estimated 0.61x DSCR on a $2,450,000 short-term rental with $612,500 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$2,450,000
25% Down
$612,500
Loan Amount
$1,837,500
Est. Monthly PITIA
$15,655
Creditable STR Income
$9,558/mo
Est. DSCR Ratio
0.61x

Short-Term Rental investing in Jackson

Short-term rental financing in Jackson 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 Jackson median of $2,450,000, a short-term rental prices near $2,450,000. Minimum down is 25% ($612,500), leaving a loan of $1,837,500. Estimated all-in PITIA runs about $15,655 per month.

The Jackson ratio math on this product

Gross nightly revenue in Jackson models to about $13,275/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $9,558 of creditable income. Against a PITIA of $15,655, that is an estimated DSCR ratio of 0.61x. 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 Jackson median for this product: an estimated cap rate of 2.57%, and monthly cash flow of $6,097 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 $1,837,500 loan amount exceeds the $806,500 conforming limit for Teton County, so agency pricing is off the table and this is a jumbo DSCR file.

Jackson property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$2,450,00020% ($490,000)$6,175/mo0.38x
2–4 Unit Multi-Family$3,871,00025% ($967,750)$11,486/mo0.46x
Condo & Townhome$1,764,00020% ($352,800)$4,878/mo0.40x
Short-Term Rental (this page)$2,450,00025% ($612,500)$9,558/mo0.61x

All figures model a purchase at the Jackson median of $2,450,000 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 Jackson 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.

Jackson Short-Term Rental FAQ

More Jackson investor resources

Jackson investor guide
Full market analysis and loan options
Single-Family Rental in Jackson
0.38x est. DSCR
2–4 Unit Multi-Family in Jackson
0.46x est. DSCR
Condo & Townhome in Jackson
0.40x est. DSCR
Teton County investor hub
Every market we finance in the county
DSCR loan requirements in Wyoming
DSCR payment calculator

Price a short-term rental in Jackson

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

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