Saint Cloud, FL Rental Market for Investors
An estimated 17% of Saint Cloud's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of October 2026.
As of October 2026, we analyzed 1,155 active for-sale homes in Saint Cloud, Florida. The typical listing is priced at $436,990 and is projected to generate about $37,256 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 16.8% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 53.1% median across the 200 major metros we track, ranking Saint Cloud #191 of 200 for cash-flow potential.
On market momentum: homes in Saint Cloud sit a median of 74 days on the market, and 28% of active listings came on in just the last 30 days — a slower-moving market, which shapes how much room there is to negotiate.
For a DSCR loan — which qualifies on the property's rental income rather than your personal income — Saint Cloud runs tighter once operating costs are accounted for: many listings need a below-median price, a stronger short-term-rental setup, or more money down before the income covers the payment. It's a market where running the numbers property-by-property matters.
What actually works in Saint Cloud
Cash-flow is the exception rather than the rule in Saint Cloud right now: 40 of the 912 Saint Cloud homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $445,000.
| Price | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|
| $150k–$250k | 73%1.33 | — | — | — |
| $250k–$350k | 12%0.79 | 12%0.97 | 22%1.11 | — |
| $350k–$500k | 0%0.47 | 0%0.75 | 0%0.90 | 8%0.95 |
| $500k+ | — | 0%0.52 | 0%0.64 | 0%0.70 |
Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.
Saint Cloud in full
| Active for-sale homes analyzed | 1,155 |
|---|---|
| Median list price | $436,990 |
| Median projected STR revenue (annual, gross) | $37,256 |
| Median average daily rate (ADR) | $172 |
| Median occupancy | 57% |
| Median beds | 4 |
| Median size | 2,039 sqft |
| Estimated cash-flow-positive share | 16.8% |
| Median days on market | 74 days |
| New listings (last 30 days) | 27.6% of active |
As a user of this system, you agree to all Scout Terms & Conditions and Home & Mortgage Conditions.
Would a Saint Cloud rental qualify for a DSCR loan?
Pre-filled with Saint Cloud's median price and projected short-term-rental income — change any field to match a specific property.
Advanced
On a 5-minute call with you, we can use Scout to run real numbers on real properties.
Estimates for educational purposes. Final terms subject to credit, property & program approval.
5 senior bankers · 47 statesPressure-test the market before you trust the median.
We’ll help you compare the market-level signal with the exact property, local costs, rental rules, and financing structure.
Thinking about an investment property in Saint Cloud?
Send the address or your target buy box. We’ll run the property with today’s assumptions.
Prefer to talk now? Call or text Chad: 858-353-8331.