DSCR for Short-Term Rentals
Airbnb financing that uses your rental income.
What's your goal?
Pick what you'd like to do — we'll customize from there.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
How It Works
How DSCR loans work for Airbnb properties.
The DSCR formula is the same for short-term rentals as any investment property: gross monthly income divided by PITIA. The difference is how the income is documented.
For established Airbnbs with 12+ months of booking history, we use your actual Airbnb or VRBO income statements. The appraiser may also provide a market rent comparable. We use whichever figure is higher — giving you the best shot at qualifying.
For new acquisitions without rental history, we accept AirDNA market projections or comparable short-term rental data from your area. This lets you finance a new STR property even if it's never been rented before.
STR income documentation options:
Established STR (12+ months)
Airbnb earnings statements, VRBO host reports, or property management income summaries. Best pricing tier.
New acquisition
AirDNA market rent projection, appraiser's comparable rental analysis, or local STR market data.
Why DSCR
Why Airbnb investors choose DSCR over conventional.
Conventional lenders undercount your income
Most banks cap rental income at 75% of a long-term lease comparable — ignoring the fact that STR income is frequently materially higher than long-term-lease income in strong STR markets. DSCR loans use your actual or projected short-term rental income, so you get credit for how the property actually produces.
No property count limit
Fannie Mae caps you at 10 financed properties. DSCR has no limit. Scale your Airbnb portfolio without hitting a wall.
No tax return headaches
Airbnb hosts often show low taxable income due to depreciation, maintenance, and travel deductions. That hurts conventional qualification. DSCR ignores your tax return entirely.
LLC-friendly
Most STR investors want liability protection. DSCR loans close in LLCs without a rate penalty. Conventional loans rarely allow entity vesting.
No-seasoning cash-out refi
Bought a property, furnished it, and started earning? Cash out the day after purchase at full appraised value. Perfect for the BRRRR-to-Airbnb strategy.
Program Details
DSCR loan guidelines for short-term rentals.
| Property types | SFR, condo, townhouse, 2-4 unit — must be non-owner-occupied |
| Min DSCR | 1.0 standard (Easy 50: no minimum at 50% LTV) |
| Max LTV (purchase) | 80% |
| Max LTV (cash-out) | 75% |
| Min credit score | 620 (Easy 50: none) |
| Min loan amount | $100,000 |
| Max loan amount | $5,000,000+ |
| Income documentation | Airbnb/VRBO statements, AirDNA, or appraiser market rent |
| Loan terms | 30-year fixed, 40-year, interest-only available |
| Vesting | LLC, trust, or personal name |
| Seasoning for cash-out | None — day 1 cash-out at full appraised value |
| Reserves | 3-12 months PITI in liquid assets |
| Prepayment penalty | 3-5 year stepdown (no-PPP option available) |
Questions
Airbnb DSCR loan FAQs
Yes. For properties without 12 months of STR history, we accept AirDNA market rent projections or comparable STR income data from your area. Properties with 12+ months of Airbnb statements get the best pricing.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
Ready to lower your rate?
DSCR Loans — Lower Rates Are Here.
Cash Out Refinance — More cash flow. More properties.
Send us your scenario or upload a competing term sheet — we'll either beat it or tell you straight up that you've got a great deal.