Buy on numbers, not hunches
Run the rent numbers, see where short-term rentals really work, and finance with investor loans.
Includes 5% maintenance, 5% vacancy (long-term) or 12% cleaning and platform costs (short-term), and 3% closing costs. DSCR loans usually want 1.0–1.25. Not financial advice or a loan offer.
Where do short-term rentals actually work?
Active DBPR vacation-rental licenses by ZIP (August 2026). In Cape Coral, short-term rental is a Gulf-access canal product, not a "no HOA" product — the inland ZIPs barely have a market.
| Area | Active licenses | Share of single-family homes |
|---|---|---|
| Cape Coral 33914 (SW, Gulf access) | 1,229 | 6.2% |
| Cape Coral 33904 (SE, Gulf access) | 598 | 4.5% |
| Cape Coral 33990 (central) | 256 | 2.2% |
| Cape Coral 33993 (NW, inland) | 128 | 0.7% |
| Cape Coral 33909 (NE, inland) | 68 | 0.5% |
Fort Myers Beach (Estero Blvd) is the densest short-term-rental strip in Southwest Florida. In Naples, the Bayshore corridor (34112) has almost none.
Source: DBPR public lodging-license files. Local and association rules can limit rentals — confirm them before you buy.
Talk to the investor desk
We send properties that hit your numbers, plus investor loan options (Laenan or DOS Mortgage — you may use any lender).