NY · Mountain ski / lake

STR DSCR Loans in Lake Placid

Lake Placid NY Adirondacks STR. Year-round ski + lake.

Median Home Value$495K
Nightly Rate$305
Occupancy48%
DSCR Friendlinessmedium

The STR investor case for Lake Placid rests on tourism demand patterns, regulatory framework, and acquisition economics. With nightly rates averaging $305 and 48% occupancy, gross revenue per Lake Placid property runs approximately $53K annually.

Lake Placid, NY is a medium short-term rental DSCR market. Property type: Mountain ski / lake. Median home value approximately $495K. Average nightly rate: $305.

Occupancy rate in Lake Placid averages approximately 48%, which combined with the nightly rate produces gross annual revenue per property of approximately $53K.

Lake Placid NY Adirondacks STR. Year-round ski + lake. STR regulatory environment in Lake Placid: moderate.

Lake Placid seasonality and tourism patterns

Lake Placid seasonality affects DSCR underwriting. Lenders use annual averaged occupancy of 48% rather than peak season alone, making underwriting conservative against the year-round operating profile.

Lake Placid STR economics

Running the numbers for a Lake Placid STR acquisition: gross revenue around $53K annually based on 305 per night and 48% occupancy. After operating costs and debt service, net cash flow depends on financing terms. Capital required at acquisition: down payment plus furniture and setup (typically $15K-50K) plus reserves.

Lake Placid specific FAQ

What's the peak season in Lake Placid?

Lake Placid peaks December through March (ski season) with secondary summer. Lenders use annual averaged occupancy in underwriting.

What property types perform best for STR in Lake Placid?

Lake Placid guests prefer multi-bedroom ski groups. Hot tubs and ski storage command premium rates.

Are STR licenses available in Lake Placid?

Lake Placid has moderate STR regulations.

What is the typical occupancy rate in Lake Placid?

Lake Placid averages approximately 48% occupancy. Premium properties outperform; standard properties cluster near average.

What is the average nightly rate in Lake Placid?

Lake Placid averages approximately $305 per night. Premium units command 1.5-2.5x average.

What property management fees are typical for Lake Placid STR?

Full-service STR management in Lake Placid runs 20-35% of gross revenue. Co-host arrangements run 15-25%. Self-management saves the fee but consumes 10-20 hours weekly.

How much capital does a Lake Placid STR acquisition require?

A Lake Placid STR at the median home value of $495K typically requires 25-30% down, furniture and setup ($15K-50K), reserves (6-12 months PITIA), and closing costs. Total initial capital roughly $208K+.

Bottom line for Lake Placid STR investors

The investor profile that succeeds in Lake Placid STR combines local market knowledge or quality co-host management, realistic revenue projections using AirDNA data, and operational discipline. Get those right and Lake Placid STR produces strong risk-adjusted returns.

STR regulations vary by city and change frequently. Verify current local rules before acquisition.

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