Short-term rentals in Cape Cod, MA: rules, lenders and rates
The local STR rule from Town of Barnstable, MA's own page, the DSCR lenders that publish coverage in Massachusetts, and what investors paid in Barnstable County in 2025.
- STR status
- Registration required
- Lenders in MA
- 20
- Median note rate, 2025
- 7.125%
Town of Barnstable, MA
16 list MA · 4 licensed
56 DSCR-style loans
Short-term rental rules Registration required
Town of Barnstable, MA. All rental units, including short-term rentals, must register with the Town of Barnstable Health Division each year.
Source: barnstable.gov · checked Oct 19, 2026
This covers only Town of Barnstable, MA, not every town in Barnstable County or the wider Cape Cod area. Neighboring cities, the county, HOAs and condo associations can have their own rules. Check with the jurisdiction for the exact address before you go under contract.
What investors paid in Barnstable County, 2025
- Median note rate7.125%
- Middle 50% paid (25th–75th pct)6.775%–7.625%
- DSCR-style loans56
Public HMDA records for all of Barnstable County, including long-term rentals. Note rates at closing, not today's quotes.
DSCR math Example only
An illustrative loan, not a quote and not a typical price for Cape Cod, MA: $400,000 at 75% LTV (an implied $533,333 price), 30-year amortization at the Barnstable County 2025 median of 7.125%.
- Monthly principal & interest$2,695
- Gross monthly rent for DSCR 1.00$2,695
- Gross monthly rent for DSCR 1.25$3,369
DSCR here is rent ÷ P&I only. Taxes, insurance and HOA dues are excluded; most lenders include them, which raises the rent you need. Many lenders also discount STR income.
DSCR lenders that lend in Massachusetts
16 lenders list Massachusetts in their published coverage; 4 more publish only their license list, which includes MA. Coverage is statewide; whether a lender will finance a short-term rental at a specific address is up to the lender. “Not published” means the lender doesn't publish that figure.
| Lender | MA coverage | STR income method | Min DSCR | Max LTV (purchase) |
|---|---|---|---|---|
| 1st Nationwide Mortgage | Yes | Either | 1.00 | 80% |
| Acra Lending | Yes | 12-month history | Not published | 75% |
| America Mortgages | Yes | Either | Not published | 80% |
| Certain Lending | Yes | Either | Not published | 75% |
| CoreVest Finance | Yes | Not published | Not published | 70% |
| Defy Mortgage | Yes | Either | 0.75 | 85% |
| Dominion Financial | Yes | Not published | Not published | 80% |
| Easy Lending USA | Yes | Either | 1.00 | 85% |
| Easy Street Capital | Yes | Either | Not published | 80% |
| Griffin Funding | Yes | Either | Not published | 85% |
| Kiavi | Yes | Not published | 0.80 | 80% |
| LendingOne | Yes | Not published | 0.75 | 80% |
| Lima One Capital | Yes | Projection | 1.30 | 75% |
| New Silver | Yes | Either | 1.15 | 80% |
| Quickline Capital | Yes | Projection | 0.75 | 80% |
| Visio Lending | Yes | Either | Not published | 85% |
| A&D Mortgage | Licensed there | Either | Not published | 80% |
| LendSure Mortgage | Licensed there | Either | 0.75 | 85% |
| NQM Funding | Licensed there | 12-month history | Not published | Not published |
| theLender | Licensed there | Projection | Not published | 85% |
Figures come from each lender's own pages, with a source and check date on the lender's page. Compare more terms on the lender matcher.
More markets: all 24 STR markets · real rates by county · STR DSCR loans by state
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- Lender term changes flagged on the lenders' own pages
- A short, plain-English STR financing explainer
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Not a lender or broker. No referral fees. For education only. Figures come from each lender's public pages on the date shown and can change without notice, so verify them with the lender. Rates are estimates, not quotes. How we source data.