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STR DSCR Success in Asheville, NC
Used market rent and STR comps to structure DSCR in a seasonal market.
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Short-Term Rental DSCR in Asheville, NC
New STR investor; seasonal rents and township rules required careful structure.
The Challenges
- Seasonality complicates income expectations
- Local STR rules vary by township
The Playbook
- Used market rent plus STR addendum where allowed
- Confirmed local STR ordinances with borrower
- Ordered DSCR-savvy appraisal (1007 + 216)
- Verified reserves + STR insurance early
Outcome
- On-time close with realistic pro-forma
- Borrower retained capital for furnishing
- Set up for smoother future refi once income seasons
Coach's Tips
- Check local STR rules before contract
- Budget for furnishings and seasonality
- Keep strong reserves for DSCR
Download PDF: STR DSCR Success in Asheville, NC
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