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Short-Term Rental · Sheboygan, WI

Short-Term Rental Financing in Sheboygan, WI

Estimated 0.72x DSCR on a $235,000 short-term rental with $58,750 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$235,000
25% Down
$58,750
Loan Amount
$176,250
Est. Monthly PITIA
$1,863
Creditable STR Income
$1,350/mo
Est. DSCR Ratio
0.72x

Short-Term Rental investing in Sheboygan

Short-term rental financing in Sheboygan 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 Sheboygan median of $235,000, a short-term rental prices near $235,000. Minimum down is 25% ($58,750), leaving a loan of $176,250. Estimated all-in PITIA runs about $1,863 per month.

The Sheboygan ratio math on this product

Gross nightly revenue in Sheboygan models to about $1,875/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $1,350 of creditable income. Against a PITIA of $1,863, that is an estimated DSCR ratio of 0.72x. 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 Sheboygan median for this product: an estimated cap rate of 3.79%, and monthly cash flow of $513 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.

Sheboygan property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$235,00020% ($47,000)$1,250/mo0.64x
2–4 Unit Multi-Family$371,30025% ($92,825)$2,325/mo0.79x
Condo & Townhome$169,20020% ($33,840)$988/mo0.60x
Short-Term Rental (this page)$235,00025% ($58,750)$1,350/mo0.72x

All figures model a purchase at the Sheboygan median of $235,000 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 Sheboygan 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.

Sheboygan Short-Term Rental FAQ

More Sheboygan investor resources

Sheboygan investor guide
Full market analysis and loan options
Single-Family Rental in Sheboygan
0.64x est. DSCR
2–4 Unit Multi-Family in Sheboygan
0.79x est. DSCR
Condo & Townhome in Sheboygan
0.60x est. DSCR
Sheboygan County investor hub
Every market we finance in the county
DSCR loan requirements in Wisconsin
DSCR payment calculator

Price a short-term rental in Sheboygan

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