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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

Example DSCR Calculation for Williston, ND

Here's how a typical DSCR loan works using Williston's actual market data.

Loan Structure

Purchase Price$280,000
Down Payment (20%)$56,000
Loan Amount$224,000
Interest Rate7.5%

Monthly Costs (PITIA)

Principal & Interest$1,566
Property Tax (0.98% rate)$229
Insurance$158
Total PITIA$1,953

DSCR Result

Monthly Rent
$1,200
÷
Monthly PITIA
$1,953
=
DSCR Ratio
0.61

Based on Williston's median home price of $280,000 and median rent of $1,200/month, a typical DSCR investment produces a challenging DSCR ratio. Investors may need a larger down payment (25-30%) to improve the ratio, or should target properties priced below the median. With a 20% down payment of $56,000, the monthly PITIA (principal, interest, taxes, insurance) comes to $1,953. The local property tax rate of 0.98% and annual insurance cost of $1,900 are factored into this calculation.

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.

DSCR Ratio
0.61
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?
Standard DSCR requirements in Williston range from 1.0 to 1.25 depending on the lender and loan terms. With Williston's median rent at $1,200/mo and vacancy rate of 6.3%, lenders factor in market stability when evaluating ratios. Stronger markets like Williston may qualify for more flexible terms.
What's the minimum down payment for DSCR loans in Williston?
Yes, 20% down is sufficient for most Williston DSCR loans if the property meets DSCR requirements. That's $56,000 for a median-priced $280K property. However, Williston's above-average rents means many properties qualify even at lower down payments.
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?
Airbnb and VRBO properties can qualify for DSCR loans in Williston when lenders use projected STR income (often from AirDNA or similar platforms) for qualification. Williston's permissive regulations make it relatively straightforward to operate vacation rentals.
How do property taxes impact investment returns in Williston?
Budget $2,744 annually ($229/month) for property taxes on a median-priced Williston property. The 0.98% rate is moderate for the region.
What's the typical cash-on-cash return for Williston rentals?
Williston is primarily a appreciation market. 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.
What appreciation rate can I expect in Williston?
Williston's historical appreciation has outpaced state and national averages, driven by Energy and Healthcare employment growth. While past performance doesn't guarantee future returns, Williston's heart of bakken oil formation with energy-driven rental demand suggests continued upward pressure on values. DSCR investors should focus on total return (appreciation + income) rather than cash flow alone.

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