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Short-Term Rental · Miami Beach, FL

Short-Term Rental Financing in Miami Beach, FL

Estimated 0.97x DSCR on a $895,000 short-term rental with $223,750 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$895,000
25% Down
$223,750
Loan Amount
$671,250
Est. Monthly PITIA
$6,561
Creditable STR Income
$6,336/mo
Est. DSCR Ratio
0.97x

Short-Term Rental investing in Miami Beach

Short-term rental financing in Miami Beach 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 Miami Beach median of $895,000, a short-term rental prices near $895,000. Minimum down is 25% ($223,750), leaving a loan of $671,250. Estimated all-in PITIA runs about $6,561 per month.

The Miami Beach ratio math on this product

Gross nightly revenue in Miami Beach models to about $8,800/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $6,336 of creditable income. Against a PITIA of $6,561, that is an estimated DSCR ratio of 0.97x. That lands just under 1.0. It does not kill the deal in Miami Beach: moving to a larger down payment ($268,500) usually closes the gap, and several shelves fund down to 0.75x with a rate add-on.

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 Miami Beach median for this product: an estimated cap rate of 4.67%, and monthly cash flow of $225 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.

Miami Beach property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$895,00020% ($179,000)$5,200/mo0.76x
2–4 Unit Multi-Family$1,414,10025% ($353,525)$9,672/mo0.93x
Condo & Townhome$644,40020% ($128,880)$4,108/mo0.76x
Short-Term Rental (this page)$895,00025% ($223,750)$6,336/mo0.97x

All figures model a purchase at the Miami Beach median of $895,000 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 Miami Beach 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.

Miami Beach Short-Term Rental FAQ

More Miami Beach investor resources

Miami Beach investor guide
Full market analysis and loan options
Single-Family Rental in Miami Beach
0.76x est. DSCR
2–4 Unit Multi-Family in Miami Beach
0.93x est. DSCR
Condo & Townhome in Miami Beach
0.76x est. DSCR
Miami-Dade County investor hub
Every market we finance in the county
DSCR loan requirements in Florida
DSCR payment calculator

Price a short-term rental in Miami Beach

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