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Short-Term Rental · Tybee Island, GA

Short-Term Rental Financing in Tybee Island, GA

Estimated 0.70x DSCR on a $760,000 short-term rental with $190,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$760,000
25% Down
$190,000
Loan Amount
$570,000
Est. Monthly PITIA
$5,479
Creditable STR Income
$3,834/mo
Est. DSCR Ratio
0.70x

Short-Term Rental investing in Tybee Island

Short-term rental financing in Tybee Island 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 Tybee Island median of $760,000, a short-term rental prices near $760,000. Minimum down is 25% ($190,000), leaving a loan of $570,000. Estimated all-in PITIA runs about $5,479 per month.

The Tybee Island ratio math on this product

Gross nightly revenue in Tybee Island models to about $5,325/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $3,834 of creditable income. Against a PITIA of $5,479, that is an estimated DSCR ratio of 0.70x. 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 rentals are active in this market; licensing and zoning are set locally and we verify the specific address before quoting. 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 Tybee Island median for this product: an estimated cap rate of 3.33%, and monthly cash flow of $1,645 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.

Tybee Island property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$760,00020% ($152,000)$2,475/mo0.43x
2–4 Unit Multi-Family$1,200,80025% ($300,200)$4,604/mo0.53x
Condo & Townhome$547,20020% ($109,440)$1,955/mo0.42x
Short-Term Rental (this page)$760,00025% ($190,000)$3,834/mo0.70x

All figures model a purchase at the Tybee Island median of $760,000 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 Tybee Island 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.

Tybee Island Short-Term Rental FAQ

More Tybee Island investor resources

Tybee Island investor guide
Full market analysis and loan options
Single-Family Rental in Tybee Island
0.43x est. DSCR
2–4 Unit Multi-Family in Tybee Island
0.53x est. DSCR
Condo & Townhome in Tybee Island
0.42x est. DSCR
Chatham County investor hub
Every market we finance in the county
DSCR loan requirements in Georgia
DSCR payment calculator

Price a short-term rental in Tybee Island

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

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