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Short-Term Rental · Wrangell, AK

Short-Term Rental Financing in Wrangell, AK

Estimated 0.75x DSCR on a $275,000 short-term rental with $68,750 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$275,000
25% Down
$68,750
Loan Amount
$206,250
Est. Monthly PITIA
$2,027
Creditable STR Income
$1,512/mo
Est. DSCR Ratio
0.75x

Short-Term Rental investing in Wrangell

Short-term rental financing in Wrangell 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 Wrangell median of $275,000, a short-term rental prices near $275,000. Minimum down is 25% ($68,750), leaving a loan of $206,250. Estimated all-in PITIA runs about $2,027 per month.

The Wrangell ratio math on this product

Gross nightly revenue in Wrangell models to about $2,100/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $1,512 of creditable income. Against a PITIA of $2,027, that is an estimated DSCR ratio of 0.75x. 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 Wrangell median for this product: an estimated cap rate of 3.63%, and monthly cash flow of $515 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.

Wrangell property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$275,00020% ($55,000)$1,400/mo0.66x
2–4 Unit Multi-Family$434,50025% ($108,625)$2,604/mo0.81x
Condo & Townhome$198,00020% ($39,600)$1,106/mo0.63x
Short-Term Rental (this page)$275,00025% ($68,750)$1,512/mo0.75x

All figures model a purchase at the Wrangell median of $275,000 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 Wrangell 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.

Wrangell Short-Term Rental FAQ

More Wrangell investor resources

Wrangell investor guide
Full market analysis and loan options
Single-Family Rental in Wrangell
0.66x est. DSCR
2–4 Unit Multi-Family in Wrangell
0.81x est. DSCR
Condo & Townhome in Wrangell
0.63x est. DSCR
Wrangell County investor hub
Every market we finance in the county
DSCR loan requirements in Alaska
DSCR payment calculator

Price a short-term rental in Wrangell

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