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Short-Term Rental · Jacksonville, FL

Short-Term Rental Financing in Jacksonville, FL

Estimated 0.75x DSCR on a $315,000 short-term rental with $78,750 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$315,000
25% Down
$78,750
Loan Amount
$236,250
Est. Monthly PITIA
$2,309
Creditable STR Income
$1,728/mo
Est. DSCR Ratio
0.75x

Short-Term Rental investing in Jacksonville

Short-term rental financing in Jacksonville 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 Jacksonville median of $315,000, a short-term rental prices near $315,000. Minimum down is 25% ($78,750), leaving a loan of $236,250. Estimated all-in PITIA runs about $2,309 per month.

The Jacksonville ratio math on this product

Gross nightly revenue in Jacksonville models to about $2,400/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $1,728 of creditable income. Against a PITIA of $2,309, that is an estimated DSCR ratio of 0.75x. 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. No 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 Jacksonville median for this product: an estimated cap rate of 3.62%, and monthly cash flow of $581 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.

Jacksonville property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$315,00020% ($63,000)$2,600/mo1.08x
2–4 Unit Multi-Family$497,70025% ($124,425)$4,836/mo1.33x
Condo & Townhome$226,80020% ($45,360)$2,054/mo1.04x
Short-Term Rental (this page)$315,00025% ($78,750)$1,728/mo0.75x

All figures model a purchase at the Jacksonville median of $315,000 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 Jacksonville 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.

Jacksonville Short-Term Rental FAQ

More Jacksonville investor resources

Jacksonville investor guide
Full market analysis and loan options
Single-Family Rental in Jacksonville
1.08x est. DSCR
2–4 Unit Multi-Family in Jacksonville
1.33x est. DSCR
Condo & Townhome in Jacksonville
1.04x est. DSCR
Duval County investor hub
Every market we finance in the county
DSCR loan requirements in Florida
DSCR payment calculator

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