Smithville DSCR Belongs on This Year, Never a Blend

Smithville and Smithville Lake sit in Clay County about thirty minutes north of Kansas City via I-29 and MO-92. This is a USACE reservoir inside a commuter radius, not a standalone heritage town and not a Kansas City blend. The AirROI extract, vintage June 2025 through May 2026, a different vintage than the August neighbor cells, prints a typical year of $32,889 on 20 listings, ADR $238, occupancy 51.8 percent, and RevPAR $124. Peak months are March, December, and April, and softest revenue is November. Year over year is plus 8.5 percent.

Weston and Liberty are adjacent desks. Keep them. Do not steal them. Weston prints $47,063 on a May 2025 through April 2026 vintage. Liberty prints $36,204 on an August 2025 through July 2026 vintage. Do not blend those cells into a Smithville year. Do not paste a Weston distillery rent roll onto a Smithville Lake driveway. Chapter 625 is the city file inside city limits. A lake parcel outside the city is a different desk.

Professionally managed share is 50.0 percent, and three listings set 30-plus. Stay is 4.8 nights, and lead is 30 days. Those settings are not filled November. A lender who wants a ratio still needs PITI, taxes, insurance, and a vacancy haircut that names November. This page does not invent a purchase price or a coverage number. If the officer asks for a Weston rent roll, refuse.

DSCR Starts on $32,889

A DSCR file starts with the published typical year on the town that holds the driveway. For a Smithville parcel, that year is $32,889, and it is not a Weston median. It is not a Liberty county-seat blend. It is 20 listings, ADR $238, occupancy 51.8 percent, RevPAR $124, vintage June 2025 through May 2026. Peak month is March, and december and April sit with it. November is the hole, and professionally managed share is 50.0 percent. Three listings set thirty-plus nights. Those are sample facts, not a promise the next deed will print the same night.

A lender who wants a ratio still needs PITI, taxes, insurance, and a vacancy haircut that names November. This page does not invent a purchase price or a coverage number. It names the only published Smithville year the packet can carry. If the officer asks for last twelve months of actuals on a specific address, send that address. If the officer asks for a Weston rent roll, refuse.The buyer packetalready says the same thing in acquisition language. Finance language is stricter. The note does not get a Northland blend.

Confirm the use can exist before you underwrite the use. Chapter 625 is the city file inside Smithville limits. AirROI Low is a scrape. It does not override the hall. A lake house outside the city is a different desk. A DSCR that assumes a Weston field is a costume. A DSCR that assumes $32,889 on a legal listings is at least reading the extract.The two-hall rules fileis the companion, not a substitute for the clerk.

Do not put the other town's revenue on this loan

A blended Weston year is the most common costume in this file. Someone takes Smithville $32,889 and Weston $47,063, splits the difference, and writes a Northland T12 as if the two cells were one rent roll. They are not. They have different occupancy, different sample sizes, different vintages, and different identities. Smithville occupancy is 51.8 percent on 20 listings, and weston occupancy is 42.2 percent on eighteen listings. Averaging those desks is not diligence, and it is a blend.

Liberty $36,204 is a county-seat cell,, ADR $305, occupancy 49.3 percent, vintage August 2025 through July 2026. Keep it, and do not treat it as missing Smithville upside. Do not fold it into this note, and Leave out unverified a Kearney year. AirROI neighborhoods that blend Parkville, Excelsior Springs, and Prairie Village into this cell are costume. Prairie Village is a Johnson County, Kansas desk, and Keep those desks. They are not Smithville.The three identitieskeep the towns apart on the tile. The loan file has to keep them apart on the number.

If the parcel is not in Smithville, stop using $32,889. If the parcel is a Weston listings, the published year on that cell is $47,063 and this cell does not own it. If the parcel is Liberty, that year is a different vintage and this file will not steal it. A note that needs a year the extract did not print is a note you should not Keep. Stay length is 4.8 nights on Smithville. That length does not average into a distillery stay either. 20 listings is a tiny cell, and say so.

Two Halls Sit With the Deed

The deed does not travel with a Kansas City clerk. City of Smithville sits at 107 West Main Street, Smithville, MO 64089, and answers at. Linda Drummond is the clerk, and hours are Monday through Friday, eight to five. Short-term permits go to the Development Department at the same hall. No separate Development phone is confirmed this pass, and start at. That is the city desk. Clay County Clerk sits at Clay County Administration, 1 Courthouse Square, Liberty, MO 64068, and answers at. Stacey Tingle is the clerk. That is the county desk, not the city STR permit.

A DSCR that names Kansas City names the wrong hall. Smithville is a Clay County reservoir town, and it is not downtown Kansas City. Guests originate in Kansas City, and origin is not jurisdiction.The city hall registrationis the registration checklist. The finance file only repeats it so the note does not lose the hall. Confirm remittance at the desk that matches the tax map. Tax is not occupancy, but it is a line the underwriter will ask for.

Do not file Weston paper on a Smithville driveway because the guest might tour a distillery later. Do not file a Liberty packet on this parcel because the county seat prints a larger sample.Startup costskeep the hall path off the furnish fantasy. The two phones exist because the two desks do not cover for a metro clerk. Carry both numbers in the packet even when the question is only DSCR. Transient guest tax equals the hotel tax inside the city. Confirm remittance.

Year Over Year Is Plus 8.5 Percent

Smithville printed plus 8.5 percent year over year on a twenty-listings sample. Supply printed plus 11.1 percent, and that is not a gold-mine slide. It is a small-n direction on one vintage. A packet that hides the plus and shows only $32,889 as if the cell were static is selling a town the extract did not print. Put the sign in the file. The officer should see that this commuter reservoir moved up in the June 2025 through May 2026 window, and that 20 listings can move again on one new listing.

Do not treat plus 8.5 percent as a reason to invent a Weston recovery. Do not treat it as a reason to borrow Liberty $36,204. The sample size is twenty, and professionally managed share is 50.0 percent. Rob already runs eleven of twenty, and superhost share is 85.0 percent. Those composition facts do not erase the plus. They also do not authorize a blended forecast with Weston plus whatever a broker memo hopes for. Carry the n beside the plus. 20 listings can reverse the sign on one listing.

If you have actuals on the subject address, those actuals outrank the typical year. If you do not, $32,889 is the published Smithville desk. Keep the vintage on the page. Keep November on the page.The November holeis the calendar companion. A DSCR that prices every month like March is not reading the extract. A DSCR that prices Smithville like Weston ADR $350 is the same error with a distillery name. 20 listings is a tiny cell, and one new listing moves the plus. Carry the n with the sign.

Visitor spending is not the same as debt service

Smithville Lake is a 7,190-acre USACE reservoir about thirty minutes from downtown Kansas City. City- and county-operated recreation, the Jerry Litton Visitor Center at 16311 County Road DD, and 36-hole golf are visitor landscape. Rank-file copy likes to treat lake-visit counts as if they filled twenty calendars. That is a tourism claim, and it is not occupancy on this market sample. It is not a DSCR input, and do not divide reservoir acres by listing count. Do not turn a visitor landscape into $32,889 twice.

Kansas City visitor spend is not this ADR. Near-50 percent occupancy this close to the metro is a real overnight signal, not a day-use artifact. Keep that honesty test on the new numbers, and it still does not raise the typical year.The tourism filekeeps visitor dollars off the host extract, and the loan file has to do the same. Rank leftover $30,491 is superseded, and cite $32,889.

Lake weekends and a thirty-minute drive are guest desks. They help explain why a guest typed Smithville, and they do not raise the typical year. A lender who wants reservoir traffic in the narrative can have the narrative after the number. The number stays $32,889 on this cell, or a different cell's number on a different driveway, or a refusal if the officer wants a blend. Near-fifty percent occupancy this close to Kansas City is a real overnight signal. It is not a day-use artifact, and it is still not extra debt service. Do not divide 7,190 acres by 20 listings and call the result coverage.

Three 30-Plus Settings Are Not Filled November

Smithville shows three listings, 15 percent of the extract, set to thirty-plus nights. That is not a filled November, and softest revenue is November. The low stretch is February, September, and November. A 30-night toggle does not close those months, and inventing more of them would not close them either. This is not a ski town, and december is a peak month. Do not dress the hole as leftover winter sport.

Leave out unverified a weekly percent cut. Leave out unverified a monthly markdown to make the hole look underwritten. Price the month the extract named, and march, December, and April carry this desk.The remote deskis where thirty-night language belongs, as a workspace Keep, not as costume occupancy. A DSCR that treats a long-stay hope as occupied November is reading a wish as a night. Stay length is 4.8 nights, and lead time is 30 days. Those facts do not fill November.

Kansas City is thirty minutes away. Extended-stay has to beat a metro apartment, not a hotel in the woods. Leave out unverified traveling-nurse or energy-crew demand that is not on a primary page. Tax on stays under thirty days is still a remittance line. A longer stay can change the tax desk, and it does not change the published typical year. If the underwriter wants a long-stay case, send stay 4.8, send three thirty-plus settings, then send actuals if you have them. Do not send a made-up monthly yield, and seventy percent of listings set a two-night minimum. That filter is not a filled calendar either, and the hole stays on the page.

Average stay length on this sample

The facts that can sit in a Missouri DSCR packet here are the facts on this market sample and these halls. Smithville $32,889, ADR $238, occupancy 51.8 percent,, peaks March, December, April, November hole, plus 8.5 percent, 50.0 percent professionally managed, three thirty-plus settings, stay 4.8 nights, lead 30 days, hall , county clerk , Chapter 625 inside city limits, $50 per-unit permit, responsible agent, $500,000 insurance, noise monitor. confirm 625.080 text at the clerk, and confirm remittance. Leave out unverified a furnish number.

Do not import Weston $47,063 as this cell's year. Do not import Liberty $36,204 as this cell's year. Do not import a costume weekly percent, and do not import a costume monthly percent. Do not Keep a Northland T12, and stay is 4.8. AirROI Low is a scrape, and the live city stack is Chapter 625. Those are legal facts, and they are not revenue. Guests are 98.1 percent domestic, and origin city on the page is Kansas City. Origin is not a Kansas City year.

If a loan product requires a DSCR ratio, compute it from PITI and from $32,889 after the clerk confirms the parcel, and only on this cell. This page will not mint the ratio.The marketing filecan sell the launch after the note is honest. The note stays on the town line, and superhost share is 85.0 percent. Entire-home share is 95 percent, and houses are 70 percent of the extract. Those are sample composition facts. They are not extra revenue you can add to $32,889.

What a Lender Packet Should Carry

Carry the address, the municipality, the county, and both hall phones. Carry the published cell that matches that municipality, which on this cell is $32,889. Carry vintage June 2025 through May 2026 and say it is a different vintage than the August neighbor cells. Carry year over year as printed, plus 8.5 percent. Carry November as the hole. Carry March, December, and April as the peak three. Carry Chapter 625 as diligence, not as occupancy, and carry tax registration as a line. Carry actuals if the subject has them. Carry a photo set that matches Smithville Lake, not a Kansas City blend.

Do not carry a blended Weston rent roll, and do not carry Liberty $36,204 as this T12. Do not carry reservoir acres as debt service, and do not carry AirROI Low as Smithville law. Do not carry Mc Cormick Distillery as this launch. Do not carry Kansas City spend as ADR. If the officer still wants one corridor number, send this page and.the city hall registrationinstead of inventing one.

The packet that survives is the packet that can say Smithville $32,889 out loud and stop. Carry 20 listings, and carry stay 4.8 and lead 30. Carry three thirty-plus settings. Carry Rob as a composition fact, not as a closed field. Fifty percent managed is not a closed field. Carry the two halls at 107 West Main Street and 1 Courthouse Square. If the hall later says the parcel is not the city you named, the packet is closed too.Who books this lakecan wait until the note is honest. The note is honest when it refuses a Weston year.

Related Reading

More Smithville Lake, Missouri reading already live on Crest & Cove.

• Smithville Lake STR Report 2026: $32,889, 20 listings

• Market a Smithville Cabin: Reservoir, Not Kansas City

• Smithville STR Rules: Chapter 625 Inside City Limits

• Smithville Shoulder Season: March Peak, November Hole

• Smithville Remote Stays: Three listings Set Thirty-Plus

• DIY vs Hire at Smithville Lake: Rob Is on the Extract

• Who Books a Smithville Rental: Lake, KC Drive, Desk

• Buying a Smithville Rental: $32,889, Not a Weston blend

• Smithville Tourism Data: USACE Acres Are Not Occupancy

• Complete Visitor's Guide to Smithville Lake, Missouri

• What It Costs to Start a Legal Smithville Missouri STR

• Smithville City Hall and Clay County STR city hall registrations

• Smithville vs Weston vs Liberty: Three Northland Desks

Frequently Asked Questions

What revenue figure should anchor a Smithville DSCR file, and what vintage is it?

$32,889 in typical annual revenue across 20 listings, ADR $238, occupancy 51.8 percent, and RevPAR $124, on AirROI's June 2025 through May 2026 vintage - a different window than the August-to-July vintage used by several neighboring cells. Carrying the correct vintage label matters because a 20-listing sample can move meaningfully on a single new listing.

Can Weston's $47,063 figure be used to strengthen a Smithville DSCR file?

No. Weston posts $47,063 on its own May 2025 through April 2026 vintage - a different sample on a different window. Pricing a Smithville property against Weston's ADR of $350 would be substituting one market's figures for another's, regardless of how close the two towns sit.

What about Liberty's revenue figure?

Also off-limits as a substitute. Liberty is a county-seat cell posting $36,204 with 49.3 percent occupancy and an ADR of $305, on the August 2025 through July 2026 vintage - a different sample and a different window from Smithville's own $32,889 figure.

Why does 51.8 percent occupancy matter for a property this close to Kansas City?

It's a genuine overnight-demand signal rather than a day-use artifact, given the property's proximity to the metro. That said, a busy weekend or festival is demand color, not occupancy data on its own - the 51.8 percent figure from the dated AirROI extract is what belongs in the underwriting file.

Do the three listings with a 30-plus-night minimum indicate a filled slow month?

No. That's a booking-policy setting on a small share of the 20-listing sample, not proof of actual occupancy. Typical stay on this market is 4.8 nights with a 30-day lead time, and November is identified as the hole month regardless of how many listings offer a long-stay option.

What permit requirements apply to a Smithville short-term rental inside city limits?

Chapter 625 governs short-term rentals inside Smithville city limits, requiring a $50 per-unit permit, a designated responsible agent, at least $500,000 in liability insurance, and a noise monitor. Confirm current requirements directly with the city before finalizing a lender packet.

What does the host composition look like in this Smithville sample?

Professionally managed listings account for 50.0 percent of the sample, an even split with independently operated listings across the 20-listing sample. That composition describes who currently operates in the market; it doesn't change the underlying $32,889 revenue figure that should anchor the DSCR file.

What were the peak and low months in this Smithville sample?

March, December, and April were the strongest months in this vintage, with November the slow point and active supply up 8.5 percent year over year. Peak months belong on the rate sheet as their own line items rather than being blended into a flat annual assumption.

Work with Crest & Cove Creative

Smithville's own year is $32,889 across a 20-listing sample, up 8.5 percent, with March, December, and April as the real peak months — not November.

We help independent Smithville hosts market this town's actual season and numbers instead of a copy-paste closer built for any market.

Reach out at crestcove.co or (256) 998-7502.