Tayton Capital
ES
Short-Term Rental · Rogers, AR

Short-Term Rental Financing in Rogers, AR

Estimated 0.92x DSCR on a $375,000 short-term rental with $93,750 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$375,000
25% Down
$93,750
Loan Amount
$281,250
Est. Monthly PITIA
$2,331
Creditable STR Income
$2,142/mo
Est. DSCR Ratio
0.92x

Short-Term Rental investing in Rogers

Short-term rental financing in Rogers 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 Rogers median of $375,000, a short-term rental prices near $375,000. Minimum down is 25% ($93,750), leaving a loan of $281,250. Estimated all-in PITIA runs about $2,331 per month.

The Rogers ratio math on this product

Gross nightly revenue in Rogers models to about $2,975/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $2,142 of creditable income. Against a PITIA of $2,331, that is an estimated DSCR ratio of 0.92x. That lands just under 1.0. It does not kill the deal in Rogers: moving to a larger down payment ($112,500) 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. 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 Rogers median for this product: an estimated cap rate of 3.77%, and monthly cash flow of $189 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.

Rogers property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$375,00020% ($75,000)$1,975/mo0.81x
2–4 Unit Multi-Family$592,50025% ($148,125)$3,674/mo1.00x
Condo & Townhome$270,00020% ($54,000)$1,560/mo0.78x
Short-Term Rental (this page)$375,00025% ($93,750)$2,142/mo0.92x

All figures model a purchase at the Rogers median of $375,000 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 Rogers 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.

Rogers Short-Term Rental FAQ

More Rogers investor resources

Rogers investor guide
Full market analysis and loan options
Single-Family Rental in Rogers
0.81x est. DSCR
2–4 Unit Multi-Family in Rogers
1.00x est. DSCR
Condo & Townhome in Rogers
0.78x est. DSCR
Benton County investor hub
Every market we finance in the county
DSCR loan requirements in Arkansas
DSCR payment calculator

Price a short-term rental in Rogers

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

Get My Investment Analysis Talk to a Loan Officer

Keep exploring

Related pages

Get started

See your loan options in minutes.

Tell us a little about you and we'll reach out personally — usually within one business day.

Or call (970) 708-9624

Terms · Privacy Policy

Get a quoteApply Now