STR DSCR investor profile of Cape Cod
Cape Cod, MA is a low short-term rental DSCR market. Property type: Beach. Median home value approximately $695K. Average nightly rate: $425.
Occupancy rate in Cape Cod averages approximately 40%, which combined with the nightly rate produces gross annual revenue per property of approximately $62K.
Cape Cod seasonal beach STR. Strong summer-only economics. STR regulatory environment in Cape Cod: moderate.
STR financing for Cape Cod
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 Cape Cod property at the median value of $695K generating $425 per night at 40% occupancy, gross annual revenue runs approximately $62K.
Cape Cod 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.
Cape Cod averages approximately 40% occupancy. Lenders typically underwrite with conservative occupancy assumptions (lower than peak) and require AirDNA or similar data.
Average nightly rates in Cape Cod run approximately $425. Premium units (size, location, amenities) command meaningfully higher rates.
Cape Cod STR regulatory environment is moderate. Some restrictions apply by zone or building. Verify local rules.
STR gross revenue per property in Cape Cod averages approximately $62K 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%.
Cape Cod 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.