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Short-Term Rental · Whitefish, MT

Short-Term Rental Financing in Whitefish, MT

Estimated 0.71x DSCR on a $1,050,000 short-term rental with $262,500 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$1,050,000
25% Down
$262,500
Loan Amount
$787,500
Est. Monthly PITIA
$7,017
Creditable STR Income
$4,950/mo
Est. DSCR Ratio
0.71x

Short-Term Rental investing in Whitefish

Short-term rental financing in Whitefish 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 Whitefish median of $1,050,000, a short-term rental prices near $1,050,000. Minimum down is 25% ($262,500), leaving a loan of $787,500. Estimated all-in PITIA runs about $7,017 per month.

The Whitefish ratio math on this product

Gross nightly revenue in Whitefish models to about $6,875/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $4,950 of creditable income. Against a PITIA of $7,017, that is an estimated DSCR ratio of 0.71x. 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 Whitefish median for this product: an estimated cap rate of 3.11%, and monthly cash flow of $2,067 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.

Whitefish property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$1,050,00020% ($210,000)$3,200/mo0.44x
2–4 Unit Multi-Family$1,659,00025% ($414,750)$5,952/mo0.54x
Condo & Townhome$756,00020% ($151,200)$2,528/mo0.44x
Short-Term Rental (this page)$1,050,00025% ($262,500)$4,950/mo0.71x

All figures model a purchase at the Whitefish median of $1,050,000 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 Whitefish 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.

Whitefish Short-Term Rental FAQ

More Whitefish investor resources

Whitefish investor guide
Full market analysis and loan options
Single-Family Rental in Whitefish
0.44x est. DSCR
2–4 Unit Multi-Family in Whitefish
0.54x est. DSCR
Condo & Townhome in Whitefish
0.44x est. DSCR
Flathead County investor hub
Every market we finance in the county
DSCR loan requirements in Montana
DSCR payment calculator

Price a short-term rental in Whitefish

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

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