Joshua Tree, CA Rental Investment Market: DSCR & STR Numbers (June 2026)
Where Joshua Tree stands for short-term-rental investors: nightly rates, occupancy, yield, and the financing math behind its #14 STR rank.
Short-Term Rental Numbers
ADR
$244
avg daily rate
Occupancy
55%
RevPAR
$134
rev / available night
Median Price
$472,000
Gross Yield
10.4%
annual gross / price
Regulation Risk
MEDIUM
STR score 59/100 · #14 of 15
Does It Pencil?
The median Joshua Tree deal, run through DSCR math
- Purchase price (median)
- $472,000
- Down payment (20%)
- −$94,400
- Loan amount
- $377,600
- P&I @ 7.91% / 30yr
- $2,747/mo
- Property taxes (1.00%/yr, assumed)
- $393/mo
- Insurance (~0.5%/yr of price)
- $197/mo
- PITIA (full payment)
- $3,337/mo
- Est. STR gross (ADR × occ.)
- $4,082/mo
Illustrative DSCR
1.22
Covers the payment, but below the 1.25 line where the best rate tiers start.
Illustrative only, not a quote or pre-qualification. Uses the median price and ADR × occupancy revenue estimate from our June 2026 dataset, an indicative rate of 7.91% (10-year Treasury + a typical STR spread — see the live data dashboard), estimated insurance, and an assumed national-average tax rate. Actual rents, taxes, insurance, and pricing vary by property and borrower.
The Read
What the numbers say about investing in Joshua Tree
Joshua Tree, CA earns its spot on revenue per night, not cheap entry: a $244 ADR at 55% occupancy produces about $4,082 a month gross, but against a $472,000 median price the gross yield is 10.4% — the kind of market where furnishing quality, photos, and pricing strategy decide whether the deal actually carries itself.
On financing: STR-friendly DSCR lenders will qualify a Joshua Tree purchase on projected short-term-rental income (typically via an AirDNA-style projection or 12 months of actuals) rather than lease rent. Using the market's RevPAR of $134 and an indicative STR loan rate, the median deal pencils to roughly a 1.22 DSCR at 20% down — covering, but without much slack, so revenue assumptions deserve scrutiny. Remember most lenders haircut projected STR income, so your underwritten number will be lower than the gross.
One flag: regulation risk here grades medium. That usually means active permit debates, zoning friction, or neighboring jurisdictions tightening rules. Before underwriting Joshua Tree STR income, confirm the specific parcel's permit status and whether existing operations are grandfathered — a property that loses its STR permit reverts to lease-rent economics, which is a very different loan. Our STR regulation checklist below walks through exactly what to verify.
Data as of June 2026 — refreshed monthly. Metro-level estimates for screening, not underwriting.
Next Step
Get a quote from a DSCR expert who lends in California
Real pricing on your actual deal — no hard credit pull to see numbers, and the property's income does the qualifying, not your W2.
Joshua Tree investor FAQ
Is Joshua Tree good for DSCR loans?
Joshua Tree, CA is primarily a short-term-rental market on our boards (STR score 59/100). DSCR loans work here through STR-friendly programs that qualify on projected short-term-rental income — a $244 ADR at 55% occupancy, roughly $4,082/month gross, as of June 2026 data.
What is the average rent in Joshua Tree?
We track Joshua Tree, CA as a short-term-rental market rather than a lease market: a typical STR there runs a $244 average daily rate at 55% occupancy — roughly $4,082 per month in gross revenue (June 2026 estimate).
Can I get an STR loan in Joshua Tree?
Yes — STR-friendly DSCR lenders finance short-term rentals in Joshua Tree, CA, qualifying on projected or actual Airbnb/VRBO income instead of lease rent. Regulation risk grades medium, so confirm permits before underwriting projected income. Market gross yield is 10.4% with $134 RevPAR (June 2026 data).
Run the numbers yourself
Calculator
STR calculator — pre-filled for Joshua Tree
ADR, occupancy, and price loaded. Adjust to your deal.
Live Data
Market data dashboard
10Y Treasury, indicative rate ranges, and both full leaderboards.
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Every metro on our DSCR and STR leaderboards, profiled.
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