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Short-Term Rental · Marble Falls, TX

Short-Term Rental Financing in Marble Falls, TX

Estimated 0.50x DSCR on a $420,000 short-term rental with $105,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$420,000
25% Down
$105,000
Loan Amount
$315,000
Est. Monthly PITIA
$3,375
Creditable STR Income
$1,674/mo
Est. DSCR Ratio
0.50x

Short-Term Rental investing in Marble Falls

Short-term rental financing in Marble Falls 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 Marble Falls median of $420,000, a short-term rental prices near $420,000. Minimum down is 25% ($105,000), leaving a loan of $315,000. Estimated all-in PITIA runs about $3,375 per month.

The Marble Falls ratio math on this product

Gross nightly revenue in Marble Falls models to about $2,325/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $1,674 of creditable income. Against a PITIA of $3,375, that is an estimated DSCR ratio of 0.50x. 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 Marble Falls median for this product: an estimated cap rate of 2.63%, and monthly cash flow of $1,701 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.

Marble Falls property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$420,00020% ($84,000)$1,550/mo0.44x
2–4 Unit Multi-Family$663,60025% ($165,900)$2,883/mo0.54x
Condo & Townhome$302,40020% ($60,480)$1,225/mo0.42x
Short-Term Rental (this page)$420,00025% ($105,000)$1,674/mo0.50x

All figures model a purchase at the Marble Falls median of $420,000 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 Marble Falls 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.

Marble Falls Short-Term Rental FAQ

More Marble Falls investor resources

Marble Falls investor guide
Full market analysis and loan options
Single-Family Rental in Marble Falls
0.44x est. DSCR
2–4 Unit Multi-Family in Marble Falls
0.54x est. DSCR
Condo & Townhome in Marble Falls
0.42x est. DSCR
Burnet County investor hub
Every market we finance in the county
DSCR loan requirements in Texas
DSCR payment calculator

Price a short-term rental in Marble Falls

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