Which markets actually pencil?
Compare 200 US investor markets side by side — median price, projected short-term-rental revenue, and how often the numbers clear an investor mortgage payment. Filter by state, price and cash-flow, then sort any column. As of October 2026.
| Columbia, SC | $269,000 | $45,054 | 90.4% | 51 | 1,167 |
| North Las Vegas, NV | $429,950 | $53,248 | 88% | 52 | 902 |
| Cleveland, OH | $219,115 | $43,218 | 86.2% | 53 | 746 |
| Memphis, TN | $260,000 | $39,485 | 84% | 74 | 1,645 |
| Spartanburg, SC | $269,000 | $34,494 | 83.1% | 53 | 801 |
| Detroit, MI | $224,250 | $39,817 | 82% | 61 | 1,182 |
| Mobile, AL | $280,000 | $40,000 | 81.7% | 65 | 746 |
| Indianapolis, IN | $275,000 | $37,021 | 80.2% | 58 | 3,210 |
| Louisville, KY | $299,900 | $38,849 | 79.9% | 39 | 2,126 |
| Saint Louis, MO | $279,900 | $40,913 | 78.9% | 51 | 1,355 |
| Summerville, SC | $417,983 | $50,247 | 78.1% | 66 | 1,400 |
| Glendale, AZ | $459,000 | $50,470 | 76.8% | 59 | 764 |
| Baltimore, MD | $290,000 | $40,586 | 76.6% | 59 | 2,510 |
| Birmingham, AL | $279,000 | $38,995 | 76.6% | 68 | 742 |
| Columbus, OH | $298,000 | $39,651 | 76.4% | 58 | 1,773 |
| Pittsburgh, PA | $285,000 | $40,885 | 75.9% | 58 | 2,033 |
| Waco, TX | $290,450 | $41,290 | 75.9% | 81 | 756 |
| Jacksonville, FL | $319,000 | $40,460 | 74.6% | 61 | 3,638 |
| Des Moines, IA | $255,000 | $33,606 | 73.1% | 59 | 904 |
| Conway, SC | $325,000 | $36,358 | 72.9% | 81 | 821 |
| Milwaukee, WI | $269,900 | $37,504 | 72.8% | 38 | 816 |
| Lubbock, TX | $258,035 | $35,396 | 72.2% | 56 | 1,476 |
| Omaha, NE | $315,000 | $39,047 | 71.7% | 31 | 1,250 |
| Chattanooga, TN | $374,900 | $43,812 | 71.7% | 60 | 1,243 |
| Greensboro, NC | $321,700 | $37,388 | 71.1% | 63 | 913 |
| Spring Hill, FL | $340,450 | $39,289 | 71.1% | 70 | 782 |
| Decatur, GA | $302,800 | $41,004 | 70.9% | 54 | 814 |
| Panama City, FL | $342,082 | $43,454 | 70.4% | 102 | 1,047 |
| Kansas City, MO | $330,000 | $44,411 | 70.3% | 60 | 1,489 |
| Denton, TX | $404,490 | $49,788 | 68.4% | 70 | 708 |
| Knoxville, TN | $425,000 | $44,994 | 68.3% | 54 | 1,808 |
| Wichita, KS | $315,000 | $43,026 | 67.9% | 54 | 919 |
| McDonough, GA | $394,900 | $42,933 | 67.8% | 52 | 722 |
| Fort Worth, TX | $355,499 | $48,265 | 67.5% | 60 | 3,727 |
| Fayetteville, NC | $260,000 | $30,106 | 67.3% | 62 | 1,032 |
| Temple, TX | $285,000 | $34,956 | 67.3% | 74 | 762 |
| Sevierville, TN | $599,900 | $59,131 | 66.7% | 73 | 1,210 |
| Hockley, TX | $334,990 | $50,230 | 66.7% | 72 | 761 |
| Palm Coast, FL | $389,900 | $43,587 | 66.3% | 80 | 1,313 |
| Virginia Beach, VA | $480,300 | $49,930 | 66.3% | 35 | 1,149 |
| Chicago, IL | $414,900 | $53,605 | 66% | 35 | 3,103 |
| Lexington, KY | $399,000 | $45,342 | 66% | 40 | 780 |
| Mesa, AZ | $465,750 | $47,875 | 65.6% | 52 | 1,506 |
| Winston Salem, NC | $320,000 | $33,755 | 65.6% | 56 | 875 |
| Pensacola, FL | $340,000 | $41,036 | 65.4% | 67 | 1,251 |
| Gainesville, FL | $319,000 | $38,922 | 65.3% | 81 | 704 |
| Bryan, TX | $314,900 | $38,910 | 65% | 84 | 699 |
| Tulsa, OK | $315,701 | $38,923 | 64.8% | 55 | 1,094 |
| Savannah, GA | $399,900 | $49,694 | 64.6% | 71 | 1,378 |
| San Tan Valley, AZ | $448,665 | $44,114 | 64.3% | 73 | 913 |
| New Braunfels, TX | $375,000 | $46,789 | 64.1% | 79 | 1,630 |
| Yukon, OK | $314,900 | $39,043 | 64.1% | 56 | 735 |
| Ocala, FL | $300,000 | $32,948 | 64% | 77 | 2,438 |
| Boynton Beach, FL | $400,000 | $60,552 | 63.6% | 66 | 994 |
| San Antonio, TX | $309,925 | $38,075 | 63.5% | 76 | 8,624 |
| Palm Bay, FL | $349,990 | $35,658 | 63% | 66 | 1,297 |
| Tallahassee, FL | $346,900 | $38,234 | 62.9% | 54 | 976 |
| Greenville, SC | $379,999 | $41,604 | 62.4% | 61 | 1,141 |
| Spokane, WA | $448,900 | $43,154 | 61.8% | 48 | 1,385 |
| Chesapeake, VA | $498,000 | $48,534 | 61.6% | 41 | 783 |
| Albuquerque, NM | $410,000 | $40,756 | 61.3% | 53 | 1,382 |
| Charlotte, NC | $419,900 | $43,694 | 61.2% | 65 | 3,933 |
| Forney, TX | $350,000 | $42,711 | 61.1% | 82 | 889 |
| Oklahoma City, OK | $293,000 | $36,504 | 60.9% | 59 | 2,028 |
| Parrish, FL | $424,999 | $47,787 | 60.6% | 84 | 880 |
| Clearwater, FL | $362,500 | $48,262 | 60.3% | 74 | 882 |
| Delray Beach, FL | $344,500 | $61,734 | 60.1% | 70 | 1,020 |
| New Orleans, LA | $349,000 | $47,726 | 60% | 83 | 2,123 |
| Gainesville, GA | $499,900 | $51,937 | 59.4% | 61 | 765 |
| Lawrenceville, GA | $415,000 | $43,392 | 59.3% | 53 | 1,001 |
| Goodyear, AZ | $494,995 | $49,389 | 59% | 60 | 686 |
| Baton Rouge, LA | $324,950 | $38,731 | 58.7% | 76 | 1,260 |
| Minneapolis, MN | $350,000 | $40,587 | 58.1% | 48 | 1,097 |
| Philadelphia, PA | $315,000 | $33,835 | 57.9% | 66 | 5,230 |
| Honolulu, HI | $600,000 | $58,003 | 57.6% | 86 | 2,099 |
| Cincinnati, OH | $325,000 | $36,643 | 57.2% | 48 | 927 |
| Lakeland, FL | $355,000 | $39,883 | 57% | 73 | 1,048 |
| Phoenix, AZ | $466,990 | $45,936 | 56.7% | 60 | 4,103 |
| Buckeye, AZ | $423,805 | $42,746 | 56.6% | 67 | 1,117 |
| Killeen, TX | $267,900 | $28,837 | 56.6% | 70 | 814 |
| Clarksville, TN | $350,000 | $32,898 | 56.3% | 54 | 1,668 |
| Myrtle Beach, SC | $329,950 | $39,558 | 56.2% | 83 | 2,468 |
| Amarillo, TX | $328,570 | $39,916 | 56.1% | 49 | 692 |
| Corpus Christi, TX | $314,900 | $41,068 | 56% | 77 | 1,781 |
| Round Rock, TX | $414,781 | $46,680 | 56% | 74 | 691 |
| Henderson, NV | $529,500 | $56,044 | 55.9% | 52 | 2,226 |
| Saint Augustine, FL | $474,900 | $51,303 | 55.6% | 69 | 1,629 |
| Huntsville, AL | $359,900 | $36,477 | 55.5% | 75 | 1,062 |
| Lincoln, NE | $389,900 | $39,311 | 55.5% | 32 | 1,049 |
| Las Vegas, NV | $475,000 | $45,347 | 55.2% | 55 | 7,612 |
| Tampa, FL | $449,990 | $49,535 | 54.9% | 71 | 3,014 |
| Tyler, TX | $339,900 | $37,193 | 54.8% | 72 | 837 |
| Conroe, TX | $346,107 | $37,616 | 54.5% | 59 | 1,917 |
| Pembroke Pines, FL | $329,900 | $45,210 | 54.5% | 73 | 730 |
| Bakersfield, CA | $450,000 | $42,926 | 54% | 49 | 1,391 |
| Daytona Beach, FL | $333,900 | $37,672 | 53.8% | 87 | 817 |
| Tucson, AZ | $375,000 | $36,218 | 53.6% | 52 | 2,843 |
| Fort Pierce, FL | $362,324 | $40,430 | 53.5% | 80 | 811 |
| Sioux Falls, SD | $354,900 | $38,736 | 53.3% | 48 | 971 |
| Little Rock, AR | $344,900 | $36,584 | 53.2% | 55 | 703 |
| Colorado Springs, CO | $474,900 | $45,345 | 53% | 63 | 3,142 |
| Raleigh, NC | $425,000 | $42,331 | 52.8% | 64 | 2,191 |
| Murfreesboro, TN | $469,900 | $43,406 | 52.8% | 50 | 1,018 |
| Edmond, OK | $414,900 | $43,935 | 52.7% | 56 | 1,259 |
| Fayetteville, AR | $449,000 | $43,358 | 52.7% | 69 | 703 |
| Gilbert, AZ | $609,000 | $55,495 | 52.2% | 52 | 831 |
| Charleston, SC | $642,500 | $60,305 | 51.7% | 54 | 776 |
| Grand Junction, CO | $479,900 | $41,214 | 51.3% | 59 | 725 |
| Nashville, TN | $570,000 | $55,065 | 50.3% | 54 | 3,369 |
| Panama City Beach, FL | $459,945 | $51,603 | 50% | 108 | 1,558 |
| Pompano Beach, FL | $369,975 | $54,643 | 49.4% | 95 | 1,064 |
| Marietta, GA | $499,900 | $46,416 | 48.3% | 47 | 1,117 |
| Fort Collins, CO | $535,000 | $48,347 | 48.1% | 56 | 724 |
| West Palm Beach, FL | $399,000 | $50,498 | 47.7% | 77 | 1,200 |
| Reno, NV | $667,000 | $58,280 | 47.5% | 52 | 834 |
| Durham, NC | $399,990 | $38,171 | 47.4% | 58 | 1,409 |
| Spring, TX | $365,000 | $42,220 | 47.3% | 52 | 1,548 |
| Port Charlotte, FL | $350,000 | $34,077 | 47.3% | 87 | 1,150 |
| Bradenton, FL | $445,000 | $45,572 | 47.1% | 76 | 1,576 |
| Wilmington, NC | $465,000 | $43,902 | 47% | 62 | 1,003 |
| Atlanta, GA | $380,000 | $41,545 | 46.6% | 60 | 4,838 |
| El Paso, TX | $319,950 | $32,239 | 46% | 67 | 1,883 |
| Peoria, AZ | $549,990 | $48,720 | 45.8% | 56 | 938 |
| North Port, FL | $357,000 | $33,803 | 45.8% | 86 | 747 |
| Cape Coral, FL | $409,000 | $40,633 | 45.1% | 82 | 2,631 |
| Orlando, FL | $405,000 | $43,572 | 44.7% | 69 | 3,518 |
| Arlington, TX | $370,000 | $40,454 | 44.7% | 56 | 836 |
| Salem, OR | $515,000 | $43,815 | 44% | 63 | 804 |
| Montgomery, TX | $435,000 | $41,391 | 43.9% | 67 | 1,420 |
| Magnolia, TX | $374,990 | $39,058 | 43.8% | 61 | 986 |
| Fresno, CA | $449,900 | $41,095 | 43.5% | 47 | 971 |
| Asheville, NC | $575,000 | $49,601 | 43.3% | 83 | 972 |
| Hallandale Beach, FL | $349,000 | $49,143 | 43% | 120 | 1,042 |
| Lehigh Acres, FL | $330,000 | $29,580 | 42.4% | 77 | 1,897 |
| Surprise, AZ | $459,900 | $40,803 | 41.8% | 68 | 1,389 |
| College Station, TX | $360,000 | $36,819 | 41.7% | 68 | 787 |
| Dallas, TX | $449,000 | $46,741 | 40.9% | 55 | 4,000 |
| Vancouver, WA | $560,000 | $47,098 | 40.9% | 67 | 1,214 |
| Tomball, TX | $397,990 | $45,292 | 40.6% | 52 | 727 |
| Franklin, TN | $950,000 | $74,951 | 40.1% | 54 | 692 |
| Katy, TX | $369,900 | $40,984 | 40% | 51 | 2,607 |
| New Port Richey, FL | $320,000 | $34,043 | 40% | 74 | 721 |
| Vero Beach, FL | $439,900 | $44,997 | 39.7% | 76 | 1,115 |
| Houston, TX | $346,990 | $38,662 | 39.3% | 52 | 10,849 |
| Boca Raton, FL | $565,000 | $66,589 | 38.5% | 68 | 1,305 |
| Georgetown, TX | $474,626 | $47,170 | 38.4% | 78 | 1,316 |
| Denver, CO | $525,000 | $46,765 | 38.1% | 56 | 3,884 |
| Fort Lauderdale, FL | $635,000 | $71,614 | 37.8% | 91 | 2,165 |
| Port Saint Lucie, FL | $449,990 | $44,770 | 37.6% | 79 | 2,050 |
| Celina, TX | $549,900 | $54,656 | 37.6% | 92 | 1,279 |
| Jersey City, NJ | $769,000 | $73,114 | 37.6% | 36 | 937 |
| Tacoma, WA | $539,975 | $45,423 | 37.6% | 55 | 874 |
| Hollywood, FL | $515,000 | $59,043 | 37.1% | 96 | 1,466 |
| North Myrtle Beach, SC | $424,900 | $43,947 | 36.5% | 90 | 855 |
| Sarasota, FL | $549,900 | $50,289 | 36% | 89 | 2,047 |
| Cypress, TX | $449,990 | $51,551 | 35.9% | 49 | 1,330 |
| Homestead, FL | $450,000 | $49,417 | 35.9% | 77 | 1,283 |
| Kissimmee, FL | $389,900 | $41,369 | 35.4% | 95 | 2,723 |
| Saint Petersburg, FL | $474,900 | $42,088 | 35.1% | 76 | 1,867 |
| Portland, OR | $544,400 | $47,089 | 34.4% | 72 | 2,929 |
| Davenport, FL | $398,145 | $40,477 | 34% | 88 | 1,588 |
| McKinney, TX | $550,000 | $51,703 | 34% | 59 | 1,227 |
| Santa Fe, NM | $749,900 | $58,670 | 33.8% | 79 | 717 |
| Aurora, CO | $465,000 | $41,115 | 33.3% | 59 | 1,931 |
| Sacramento, CA | $524,000 | $45,873 | 32.8% | 47 | 1,605 |
| Littleton, CO | $614,900 | $52,484 | 31.6% | 59 | 889 |
| Austin, TX | $505,000 | $46,884 | 30.8% | 74 | 4,639 |
| Fort Myers, FL | $350,000 | $31,622 | 30.6% | 84 | 2,294 |
| Boston, MA | $875,000 | $69,891 | 30.2% | 28 | 1,931 |
| Scottsdale, AZ | $899,000 | $65,944 | 29.6% | 53 | 1,918 |
| Miami Beach, FL | $550,000 | $59,486 | 29.4% | 109 | 1,701 |
| Miami, FL | $628,000 | $61,123 | 28.9% | 88 | 7,597 |
| Santa Rosa Beach, FL | $999,000 | $81,450 | 28.7% | 96 | 727 |
| McAllen, TX | $314,900 | $26,405 | 26.1% | 82 | 834 |
| Bend, OR | $779,900 | $56,100 | 25.7% | 79 | 903 |
| Venice, FL | $421,275 | $34,388 | 25.6% | 73 | 735 |
| Alexandria, VA | $615,000 | $50,505 | 25.5% | 39 | 810 |
| Gulf Shores, AL | $529,000 | $52,942 | 24.9% | 103 | 788 |
| Cumming, GA | $659,990 | $49,541 | 23.3% | 54 | 1,171 |
| Galveston, TX | $445,000 | $42,094 | 22.6% | 96 | 1,175 |
| Edinburg, TX | $337,500 | $23,359 | 22.1% | 83 | 832 |
| Fulshear, TX | $489,509 | $46,042 | 22.1% | 60 | 703 |
| San Diego, CA | $874,900 | $66,436 | 21.2% | 41 | 2,453 |
| Punta Gorda, FL | $379,990 | $28,519 | 20.3% | 90 | 1,277 |
| Frisco, TX | $699,900 | $59,553 | 20% | 68 | 971 |
| Long Beach, CA | $899,000 | $61,789 | 19.6% | 53 | 740 |
| Bentonville, AR | $516,118 | $38,766 | 18.7% | 75 | 688 |
| Richmond, TX | $444,990 | $42,201 | 18.6% | 56 | 1,444 |
| Bonita Springs, FL | $625,000 | $41,999 | 18.1% | 81 | 689 |
| Seattle, WA | $755,000 | $55,219 | 17.6% | 42 | 2,864 |
| Saint Cloud, FL | $436,990 | $37,256 | 16.8% | 74 | 1,155 |
| Aventura, FL | $470,000 | $47,055 | 16% | 124 | 1,122 |
| San Francisco, CA | $1,299,000 | $77,238 | 14.6% | 24 | 861 |
| Missouri City, TX | $445,990 | $37,370 | 14.3% | 53 | 715 |
| Naples, FL | $649,900 | $42,781 | 13% | 87 | 3,721 |
| Los Angeles, CA | $1,149,000 | $68,581 | 12.2% | 53 | 4,987 |
| Sunny Isles Beach, FL | $652,000 | $53,951 | 10.5% | 130 | 948 |
| Winter Garden, FL | $595,000 | $43,670 | 9.9% | 70 | 691 |
| San Jose, CA | $1,250,000 | $70,621 | 3% | 33 | 1,098 |
| Irvine, CA | $1,560,000 | $62,158 | 0% | 52 | 685 |
Cash-flow rate is the share of active listings whose projected short-term-rental income, after a 20% operating-cost estimate, covers an estimated interest-only investor mortgage payment (20% down at a single assumed investor rate held constant across every market, plus each listing's reported monthly taxes, insurance and HOA). Figures are medians across active for-sale listings as of October 2026 and refresh weekly. These are estimates, not a guarantee of income, value or loan approval, and short-term-rental income is a comparable-based projection rather than a per-property appraisal.
Narrowed it down? Let's pressure-test your shortlist.
Send us the markets you're weighing up and we'll tell you where we actually lend, what rates look like there, and which ones hold up once you run real numbers.
Prefer to talk now? Call or text Chad: 858-353-8331.
Reading the numbers
What does “cash-flow rate” mean?
It's the share of active for-sale listings in that metro whose projected short-term-rental income, after a 20% operating-cost estimate, would cover an estimated investor mortgage payment. A 70% cash-flow rate means roughly 7 in 10 listings there clear that bar on our assumptions — not that any specific home will. Across the 200 metros we track, the median is 53.1%.
Is the rental income long-term rent or short-term rental?
Short-term rental (Airbnb/Vrbo-style) projected gross revenue, modeled from comparable listings. It is not long-term lease rent. The two can differ substantially in the same market, and short-term rentals are restricted or banned in some cities and HOAs — always check local rules.
Which markets are included?
The 200 largest metros, by number of listings with rental estimates, inside the 47 states we're licensed to lend in. A metro needs at least 150 listings with a rental estimate before we'll publish figures for it, so thin markets are left out rather than shown with unreliable numbers.
How current is this?
Figures are as of October 2026 and refresh weekly — we re-run them against our listings database every Monday.
Can you actually lend in all of these?
Yes — every market listed is in one of the 47 states we're licensed in (we don't lend in New York, Utah or West Virginia). Program availability can still vary by property type and loan size, so it's worth a quick conversation before you write an offer.
Found a market worth a closer look?
Columbia shows a 90.4% cash-flow rate on a $269,000 median price. Let's see what a DSCR loan looks like there.