GA · Historic

STR DSCR Loans in Savannah

Savannah historic STR. Strong tourism.

Median Home Value$395K
Nightly Rate$245
Occupancy62%
DSCR Friendlinessmedium

For STR DSCR investors evaluating Savannah, the math centers on three numbers: median home value of $395K, average nightly rate of $245, and occupancy of 62%. These combine into annual revenue projections of roughly $55K per typical property.

Savannah, GA is a medium short-term rental DSCR market. Property type: Historic. Median home value approximately $395K. Average nightly rate: $245.

Occupancy rate in Savannah averages approximately 62%, which combined with the nightly rate produces gross annual revenue per property of approximately $55K.

Savannah historic STR. Strong tourism. STR regulatory environment in Savannah: moderate.

Savannah seasonality and tourism patterns

Operating a Savannah STR involves managing through specific seasonal cycles. Cash flow planning must account for the gap between peak and slower periods.

Savannah STR economics

Running the numbers for a Savannah STR acquisition: gross revenue around $55K annually based on 245 per night and 62% 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.

Savannah specific FAQ

What's the peak season in Savannah?

Savannah sees varied seasonal patterns. Lenders use annual averaged occupancy in underwriting.

What property types perform best for STR in Savannah?

Property type performance varies in Savannah. Analyze comparable data via AirDNA.

Are STR licenses available in Savannah?

Savannah has moderate STR regulations.

What is the typical occupancy rate in Savannah?

Savannah averages approximately 62% occupancy. Premium properties outperform; standard properties cluster near average.

What is the average nightly rate in Savannah?

Savannah averages approximately $245 per night. Premium units command 1.5-2.5x average.

What property management fees are typical for Savannah STR?

Full-service STR management in Savannah 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 Savannah STR acquisition require?

A Savannah STR at the median home value of $395K typically requires 25-30% down, furniture and setup ($15K-50K), reserves (6-12 months PITIA), and closing costs. Total initial capital roughly $173K+.

Bottom line for Savannah STR investors

Savannah STR works for investors comfortable with the historic operating profile and moderate regulatory environment. Match the property to the market and the math typically works. Mismatch and the property struggles regardless of underwriting.

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

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