STR DSCR investor profile of 30A
30A, FL is a low short-term rental DSCR market. Property type: Beach. Median home value approximately $1.4M. Average nightly rate: $685.
Occupancy rate in 30A averages approximately 55%, which combined with the nightly rate produces gross annual revenue per property of approximately $138K.
30A coastal Florida ultra-premium STR. Seaside, Watercolor, Seagrove, Rosemary Beach. STR regulatory environment in 30A: lenient.
STR financing for 30A
STR-specific DSCR loans underwrite based on projected nightly revenue and occupancy rather than long-term lease income. Specialty lenders that fund STR DSCR include Easy Street Capital, Visio Lending, and several private money operators.
For a 30A property at the median value of $1.4M generating $685 per night at 55% occupancy, gross annual revenue runs approximately $138K.
30A STR FAQ
Yes. STR-specific DSCR loans available through specialty lenders (Easy Street Capital, Visio Lending, others). Lenders underwrite based on projected nightly revenue and occupancy rather than long-term lease income.
30A averages approximately 55% occupancy. Lenders typically underwrite with conservative occupancy assumptions (lower than peak) and require AirDNA or similar data.
Average nightly rates in 30A run approximately $685. Premium units (size, location, amenities) command meaningfully higher rates.
30A STR regulatory environment is lenient. Generally STR-friendly with standard registration requirements.
STR gross revenue per property in 30A averages approximately $138K annually. Operating costs (cleaning, supplies, management, utilities, maintenance) typically consume 30-50% of gross — netting roughly 50-70% to operating income.
Easy Street Capital, Visio Lending, and several private money operators underwrite STR-specific DSCR using projected revenue. Some lenders require 12+ months of operating history; others will fund pre-operating projections.
Yes. Lendai Finance and similar specialty lenders fund foreign-national STR acquisitions. Down payments typically 30-50%.
30A primarily beach property. Optimal STR property selection depends on guest demographics, amenity expectations, and local zoning.
STR regulations vary by city and change frequently. Verify current local rules before acquisition. STR revenue projections are directional — actual results vary.