DSCR Airbnb & Short-Term Rental Loans

Why Short-Term Rental Financing Is Different

A well-run Airbnb in a high-demand market can generate two to three times the income of a traditional long-term rental on the same property. But conventional lenders — and even most DSCR lenders — don't know how to underwrite that income. They either ignore STR revenue entirely or apply such conservative vacancy assumptions that the deal fails even when it's printing cash.

Our STR DSCR program is built around how short-term rentals actually work. For properties already operating as Airbnbs or VRBOs, we use trailing 12-month gross revenue from the platform. For properties being purchased to convert into STRs, we use AirDNA — the industry-standard data provider for short-term rental market analysis — to project gross annual income.

The result: you can finance the deal that actually reflects what the property earns, not a sanitized long-term rent estimate that leaves 40-60% of your income on the table.

Loan Parameters

Who This Loan Is For

• First-time STR buyers — Purchasing a vacation rental in a tourist market? AirDNA data qualifies the loan before you've hosted a single guest.
• Existing Airbnb operators — Already running a successful STR and want to pull cash out or refinance at a better rate? Your 12-month revenue is the qualifier.
• Portfolio STR investors — Building a collection of high-performing vacation rentals? No limit on the number of DSCR STR loans you can hold.
• Self-employed & high write-off investors — Your tax return doesn't reflect what your properties earn. STR DSCR loans look at platform revenue, not your 1040.

Frequently Asked Questions