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Short-Term Rental · Livingston, MT

Short-Term Rental Financing in Livingston, MT

Estimated 0.80x DSCR on a $620,000 short-term rental with $155,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$620,000
25% Down
$155,000
Loan Amount
$465,000
Est. Monthly PITIA
$4,135
Creditable STR Income
$3,294/mo
Est. DSCR Ratio
0.80x

Short-Term Rental investing in Livingston

Short-term rental financing in Livingston 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 Livingston median of $620,000, a short-term rental prices near $620,000. Minimum down is 25% ($155,000), leaving a loan of $465,000. Estimated all-in PITIA runs about $4,135 per month.

The Livingston ratio math on this product

Gross nightly revenue in Livingston models to about $4,575/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $3,294 of creditable income. Against a PITIA of $4,135, that is an estimated DSCR ratio of 0.80x. 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 Livingston median for this product: an estimated cap rate of 3.51%, and monthly cash flow of $841 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.

Livingston property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$620,00020% ($124,000)$2,125/mo0.49x
2–4 Unit Multi-Family$979,60025% ($244,900)$3,953/mo0.60x
Condo & Townhome$446,40020% ($89,280)$1,679/mo0.49x
Short-Term Rental (this page)$620,00025% ($155,000)$3,294/mo0.80x

All figures model a purchase at the Livingston median of $620,000 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 Livingston 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.

Livingston Short-Term Rental FAQ

More Livingston investor resources

Livingston investor guide
Full market analysis and loan options
Single-Family Rental in Livingston
0.49x est. DSCR
2–4 Unit Multi-Family in Livingston
0.60x est. DSCR
Condo & Townhome in Livingston
0.49x est. DSCR
Park County investor hub
Every market we finance in the county
DSCR loan requirements in Montana
DSCR payment calculator

Price a short-term rental in Livingston

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

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