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Short-Term Rental · New Bedford, MA

Short-Term Rental Financing in New Bedford, MA

Estimated 0.69x DSCR on a $400,000 short-term rental with $100,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$400,000
25% Down
$100,000
Loan Amount
$300,000
Est. Monthly PITIA
$2,964
Creditable STR Income
$2,034/mo
Est. DSCR Ratio
0.69x

Short-Term Rental investing in New Bedford

Short-term rental financing in New Bedford 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 New Bedford median of $400,000, a short-term rental prices near $400,000. Minimum down is 25% ($100,000), leaving a loan of $300,000. Estimated all-in PITIA runs about $2,964 per month.

The New Bedford ratio math on this product

Gross nightly revenue in New Bedford models to about $2,825/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,034 of creditable income. Against a PITIA of $2,964, that is an estimated DSCR ratio of 0.69x. 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 New Bedford median for this product: an estimated cap rate of 3.36%, and monthly cash flow of $930 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.

New Bedford property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$400,00020% ($80,000)$1,875/mo0.60x
2–4 Unit Multi-Family$632,00025% ($158,000)$3,488/mo0.74x
Condo & Townhome$288,00020% ($57,600)$1,481/mo0.60x
Short-Term Rental (this page)$400,00025% ($100,000)$2,034/mo0.69x

All figures model a purchase at the New Bedford median of $400,000 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 New Bedford 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.

New Bedford Short-Term Rental FAQ

More New Bedford investor resources

New Bedford investor guide
Full market analysis and loan options
Single-Family Rental in New Bedford
0.60x est. DSCR
2–4 Unit Multi-Family in New Bedford
0.74x est. DSCR
Condo & Townhome in New Bedford
0.60x est. DSCR
Bristol County investor hub
Every market we finance in the county
DSCR loan requirements in Massachusetts
DSCR payment calculator

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