STR DSCR investor profile of Hilton Head Island
Hilton Head Island, SC is a medium short-term rental DSCR market. Property type: Beach / golf. Median home value approximately $495K. Average nightly rate: $345.
Occupancy rate in Hilton Head Island averages approximately 60%, which combined with the nightly rate produces gross annual revenue per property of approximately $76K.
Hilton Head premium SC island STR. STR regulatory environment in Hilton Head Island: moderate.
STR financing for Hilton Head Island
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 Hilton Head Island property at the median value of $495K generating $345 per night at 60% occupancy, gross annual revenue runs approximately $76K.
Hilton Head Island 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.
Hilton Head Island averages approximately 60% occupancy. Lenders typically underwrite with conservative occupancy assumptions (lower than peak) and require AirDNA or similar data.
Average nightly rates in Hilton Head Island run approximately $345. Premium units (size, location, amenities) command meaningfully higher rates.
Hilton Head Island STR regulatory environment is moderate. Some restrictions apply by zone or building. Verify local rules.
STR gross revenue per property in Hilton Head Island averages approximately $76K 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%.
Hilton Head Island primarily beach / golf 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.