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Short-Term Rental · James Island, SC

Short-Term Rental Financing in James Island, SC

Estimated 0.66x DSCR on a $520,000 short-term rental with $130,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$520,000
25% Down
$130,000
Loan Amount
$390,000
Est. Monthly PITIA
$3,736
Creditable STR Income
$2,484/mo
Est. DSCR Ratio
0.66x

Short-Term Rental investing in James Island

Short-term rental financing in James Island 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 James Island median of $520,000, a short-term rental prices near $520,000. Minimum down is 25% ($130,000), leaving a loan of $390,000. Estimated all-in PITIA runs about $3,736 per month.

The James Island ratio math on this product

Gross nightly revenue in James Island models to about $3,450/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,484 of creditable income. Against a PITIA of $3,736, that is an estimated DSCR ratio of 0.66x. 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 James Island median for this product: an estimated cap rate of 3.15%, and monthly cash flow of $1,252 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.

James Island property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$520,00020% ($104,000)$2,300/mo0.59x
2–4 Unit Multi-Family$821,60025% ($205,400)$4,278/mo0.72x
Condo & Townhome$374,40020% ($74,880)$1,817/mo0.58x
Short-Term Rental (this page)$520,00025% ($130,000)$2,484/mo0.66x

All figures model a purchase at the James Island median of $520,000 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 James Island 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.

James Island Short-Term Rental FAQ

More James Island investor resources

James Island investor guide
Full market analysis and loan options
Single-Family Rental in James Island
0.59x est. DSCR
2–4 Unit Multi-Family in James Island
0.72x est. DSCR
Condo & Townhome in James Island
0.58x est. DSCR
Charleston County investor hub
Every market we finance in the county
DSCR loan requirements in South Carolina
DSCR payment calculator

Price a short-term rental in James Island

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