Pocono Lake, PA Rental Investment Market: DSCR & STR Numbers (July 2026)
Where Pocono Lake stands for short-term-rental investors: nightly rates, occupancy, yield, and the financing math behind its #7 STR rank.
Short-Term Rental Numbers
ADR
$324
avg daily rate
Occupancy
47%
RevPAR
$152
rev / available night
Median Price
$365,000
Gross Yield
15.2%
annual gross / price
Regulation Risk
MEDIUM
STR score 71/100 · #7 of 15
Does It Pencil?
The median Pocono Lake deal, run through DSCR math
- Purchase price (median)
- $365,000
- Down payment (20%)
- −$73,000
- Loan amount
- $292,000
- P&I @ 7.82% / 30yr
- $2,106/mo
- Property taxes (1.00%/yr, assumed)
- $304/mo
- Insurance (~0.5%/yr of price)
- $152/mo
- PITIA (full payment)
- $2,562/mo
- Est. STR gross (ADR × occ.)
- $4,632/mo
Illustrative DSCR
1.81
Above the 1.25 threshold most lenders want for their best pricing tiers.
Illustrative only, not a quote or pre-qualification. Uses the median price and ADR × occupancy revenue estimate from our July 2026 dataset, an indicative rate of 7.82% (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 Pocono Lake
Pocono Lake, PA is on our STR leaderboard for one reason: yield. A $324 average daily rate at 47% occupancy works out to roughly $4,632 a month in gross revenue against a $365,000 median price — a 15.2% gross yield that puts it near the top of the short-term-rental markets we track.
On financing: STR-friendly DSCR lenders will qualify a Pocono Lake 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 $152 and an indicative STR loan rate, the median deal pencils to roughly a 1.81 DSCR at 20% down — comfortable coverage by STR underwriting standards. 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 Pocono Lake 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 July 2026 — refreshed monthly. Metro-level estimates for screening, not underwriting.
Next Step
Get a quote from a DSCR expert who lends in Pennsylvania
Real pricing on your actual deal — no hard credit pull to see numbers, and the property's income does the qualifying, not your W2.
Pocono Lake investor FAQ
Is Pocono Lake good for DSCR loans?
Pocono Lake, PA is primarily a short-term-rental market on our boards (STR score 71/100). DSCR loans work here through STR-friendly programs that qualify on projected short-term-rental income — a $324 ADR at 47% occupancy, roughly $4,632/month gross, as of July 2026 data.
What is the average rent in Pocono Lake?
We track Pocono Lake, PA as a short-term-rental market rather than a lease market: a typical STR there runs a $324 average daily rate at 47% occupancy — roughly $4,632 per month in gross revenue (July 2026 estimate).
Can I get an STR loan in Pocono Lake?
Yes — STR-friendly DSCR lenders finance short-term rentals in Pocono Lake, PA, 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 15.2% with $152 RevPAR (July 2026 data).
Run the numbers yourself
Calculator
STR calculator — pre-filled for Pocono Lake
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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