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Short-Term Rental · Kiawah Island, SC

Short-Term Rental Financing in Kiawah Island, SC

Estimated 0.77x DSCR on a $1,500,000 short-term rental with $375,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$1,500,000
25% Down
$375,000
Loan Amount
$1,125,000
Est. Monthly PITIA
$10,587
Creditable STR Income
$8,172/mo
Est. DSCR Ratio
0.77x

Short-Term Rental investing in Kiawah Island

Short-term rental financing in Kiawah 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 Kiawah Island median of $1,500,000, a short-term rental prices near $1,500,000. Minimum down is 25% ($375,000), leaving a loan of $1,125,000. Estimated all-in PITIA runs about $10,587 per month.

The Kiawah Island ratio math on this product

Gross nightly revenue in Kiawah Island models to about $11,350/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $8,172 of creditable income. Against a PITIA of $10,587, that is an estimated DSCR ratio of 0.77x. 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 Kiawah Island median for this product: an estimated cap rate of 3.60%, and monthly cash flow of $2,415 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 $1,125,000 loan amount exceeds the $806,500 conforming limit for Charleston County, so agency pricing is off the table and this is a jumbo DSCR file.

Kiawah Island property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$1,500,00020% ($300,000)$5,275/mo0.48x
2–4 Unit Multi-Family$2,370,00025% ($592,500)$9,812/mo0.59x
Condo & Townhome$1,080,00020% ($216,000)$4,167/mo0.49x
Short-Term Rental (this page)$1,500,00025% ($375,000)$8,172/mo0.77x

All figures model a purchase at the Kiawah Island median of $1,500,000 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 Kiawah 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.

Kiawah Island Short-Term Rental FAQ

More Kiawah Island investor resources

Kiawah Island investor guide
Full market analysis and loan options
Single-Family Rental in Kiawah Island
0.48x est. DSCR
2–4 Unit Multi-Family in Kiawah Island
0.59x est. DSCR
Condo & Townhome in Kiawah Island
0.49x 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 Kiawah Island

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