Tayton Capital
ES
Short-Term Rental · Tok, AK

Short-Term Rental Financing in Tok, AK

Estimated 1.36x DSCR on a $200,000 short-term rental with $50,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$200,000
25% Down
$50,000
Loan Amount
$150,000
Est. Monthly PITIA
$1,310
Creditable STR Income
$1,782/mo
Est. DSCR Ratio
1.36x

Short-Term Rental investing in Tok

Short-term rental financing in Tok 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 Tok median of $200,000, a short-term rental prices near $200,000. Minimum down is 25% ($50,000), leaving a loan of $150,000. Estimated all-in PITIA runs about $1,310 per month.

The Tok ratio math on this product

Gross nightly revenue in Tok models to about $2,475/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $1,782 of creditable income. Against a PITIA of $1,310, that is an estimated DSCR ratio of 1.36x. That clears the 1.0 minimum with real cushion and lands in the best DSCR pricing tier most shelves publish — typically worth 0.25%–0.50% off the rate versus a break-even file.

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 Tok median for this product: an estimated cap rate of 5.88%, and monthly cash flow of $472 positive at 25% down. A file that cash-flows at the minimum down payment is the exception in Alaska right now, and it gives you room to absorb an insurance renewal without going to the reserve account.

Tok property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$200,00020% ($40,000)$1,650/mo1.20x
2–4 Unit Multi-Family$316,00025% ($79,000)$3,069/mo1.48x
Condo & Townhome$144,00020% ($28,800)$1,304/mo1.06x
Short-Term Rental (this page)$200,00025% ($50,000)$1,782/mo1.36x

All figures model a purchase at the Tok median of $200,000 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 Tok 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.

Tok Short-Term Rental FAQ

More Tok investor resources

Tok investor guide
Full market analysis and loan options
Single-Family Rental in Tok
1.20x est. DSCR
2–4 Unit Multi-Family in Tok
1.48x est. DSCR
Condo & Townhome in Tok
1.06x est. DSCR
Southeast Fairbanks County investor hub
Every market we finance in the county
DSCR loan requirements in Alaska
DSCR payment calculator

Price a short-term rental in Tok

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 Alaska, 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