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Williston, ND DSCR LoansAppreciation Market

DSCR Loans in Williston, ND

Finance investment properties in Williston with a DSCR loan. Qualify based on rental income, not tax returns. Median rent at $1,200/mo with +2.5% annual growth.

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$1,200/mo
Median Rent
$280K
Median Home Price
+2.5%
Rent Growth (YoY)
30K
Metro Population

Market data updated 2026-01-30

Williston Market Snapshot

Why Invest in Williston?

  • Heart of Bakken oil formation with energy-driven rental demand
  • Rents fluctuate with oil prices but can spike during production booms
  • New construction has added supply but demand remains during active drilling

Key Economic Drivers

EnergyHealthcareAgriculture
Median Rent
$1,200/mo
Rent Growth
+2.5%

Property Types We Finance

Single FamilyMulti-Family2-4 Units

Popular Investment Areas

DowntownWest WillistonHarvest HillsWatford City

Metro Population

30K

Williston metro area — a strong tenant pool for rental property investors.

DSCR Analysis

Hypothetical DSCR Illustration for Williston, ND

An illustration built from Williston's market data, with no interest rate assumed. Taxes and insurance use local averages; principal and interest come from your own quote, so the figures below show how much of the median rent is left for that payment at common DSCR targets.

Loan Structure

Purchase Price (local median)$280,000
Down Payment20% of the price
Loan Amount80% of the price
Interest RateSet by your quote

Monthly Costs (PITIA)

Principal & InterestFrom your quoted rate
Property Tax (0.98% rate)$229
Insurance$158
Total PITIAP&I + taxes + insurance

What the Median Rent Has to Cover

Hypothetical illustration. DSCR = rent ÷ PITIA; no rate assumed.

Median Monthly Rent$1,200
Taxes + insurance32% of rent
Left for P&I + HOA at a 1.0 DSCR68% of rent
Left for P&I + HOA at a 1.25 DSCR48% of rent
Test the payment from your quote in the DSCR calculator

Hypothetical illustration, no interest rate assumed. At Williston's median rent of $1,200/month, local property taxes (0.98% of the $280,000 median price) and insurance (about $1,900 a year) use roughly 32% of the rent. To reach a 1.0 DSCR, principal, interest and any HOA dues would have to fit within the remaining 68% of rent; a 1.25 DSCR leaves about 48%. Your actual ratio depends on the payment in your own quote, which you can test in our DSCR calculator.

Estimated Cap Rate
3.0%
Williston's estimated cap rate is 3.02%, indicating a appreciation-focused market where price growth drives returns.
Market Comparison

Williston vs. North Dakota Average

How Williston's rental market compares to the North Dakota statewide average.

Median Rent
$1,200/mo
↑ 9.1% above state avg
Median Home Price
$280K
↑ 21.7% above state avg

Williston's median rent of $1,200/month is 9.1% above the North Dakota state average of $1,100/month. Home prices at $280,000 are 21.7% above the state average of $230,000.

Investment Strategy

Williston Investment Strategy: Appreciation

Williston is primarily an appreciation market where property values have historically outpaced the North Dakota average. While the rent-to-price ratio requires careful underwriting, long-term equity growth and rent increases create strong total returns. DSCR loan investors should plan for a longer hold period to maximize appreciation gains.

Tax + Ins. / Rent
32%
Cap Rate
3.0%
Vacancy Rate
6.3%
Tax Rate
0.98%
FAQ

DSCR Loan Questions for Williston

What is the minimum DSCR ratio for a loan in Williston?
There is no single DSCR minimum for Williston investment properties: each investor program sets its own floor, and a 1.0 means the qualifying rent equals the full PITIA payment. Some programs set their floor above 1.0, and select programs consider ratios below it with compensating factors. Your loan officer confirms which programs fit the ratio your property produces.
What's the minimum down payment for DSCR loans in Williston?
The minimum is the program's maximum loan-to-value for your file. Select programs go down to 15% for stronger credit and DSCR profiles, while lower scores, sub-1.0 ratios and harder property types call for more. The Williston market itself does not set the minimum; the program and your scenario do.
Where should I buy an investment property in Williston, ND?
Top investment neighborhoods in Williston include Downtown, West Williston, Harvest Hills. Each area offers a different investor profile ranging from cash flow to appreciation, so aligning your strategy with the right neighborhood is essential for maximizing DSCR loan performance.
Is Williston a good market for DSCR-financed vacation rentals?
Williston can support short-term rentals in some areas, though it is primarily a appreciation market. Whether a specific property works depends on local rules, seasonality and how the program counts the income, so check all three before you buy.
How do property taxes impact investment returns in Williston?
At Williston's median price and rent, property taxes use roughly 19% of the rent before insurance, principal and interest. Every point of rent that goes to taxes is a point that can't go to the payment or to cash flow, so compare tax bills across the neighborhoods you are considering.
What's the typical cash-on-cash return for Williston rentals?
There is no typical figure we can quote for Williston, because cash-on-cash return depends on your price, down payment, the rate on your own quote, and your repair, management and vacancy costs. Work it out per property: annual cash flow after the full payment and operating costs, divided by the cash you put in. +2.5% annual rent growth can improve it over time if it continues.
What drives appreciation in Williston?
Williston's values are supported by Energy and Healthcare employment and heart of bakken oil formation with energy-driven rental demand. Past performance doesn't guarantee future appreciation, so DSCR investors here should look at total return (appreciation plus income) and make sure the rent still meets the program's DSCR minimum.

Licensing for North Dakota

Cornerstone First Mortgage, LLC (NMLS #173855) — North Dakota Money Broker License, No. MB103759.

Check any license on NMLS Consumer Access, or see every state on our state license list. DSCR loans are business-purpose loans for investment property only.

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