SHORT-TERM RENTAL LOANS - Use Actual STR Income
DSCR loans using actual STR income or AirDNA projections. Not long-term rent estimates. If your property earns more as a short-term rental, your loan should reflect that.
The Problem
Traditional banks use long-term rent comparables. If your property earns more as a short-term rental, they don't care.
Your Airbnb makes $4,800/month but the bank uses a $2,200 long-term rent comp. The deal dies on paper even though it's a home run in real life.
Conventional underwriting ignores your actual earning history. They don't understand the STR model and they don't want to learn.
Your property does $8K in summer and $2K in January. Banks see the low month and panic. We use the annual average, which tells the real story.
The Solution
We use actual STR income - your booking history or AirDNA market projections - to qualify DSCR loans for Airbnb and VRBO properties.
Property address, purchase price or current value, and your STR income (actual or projected). We quote same day.
Using your actual STR income or AirDNA projections, we calculate the DSCR and match you with the best lender program.
Close in 20-30 days. Start earning from day one.
Recent Deal
Investor's beach property earned $4,800/month on Airbnb but only comped at $2,200 for long-term rent. A conventional lender declined the deal. We used actual STR income and qualified at a 1.81x DSCR.
Yes. DSCR loans for short-term rentals use projected rental income from platforms like AirDNA or Rabbu to calculate the DSCR ratio. You do not need existing Airbnb history on the specific property.
STR-focused DSCR loans typically require 25% to 30% down (70% to 75% LTV), which is slightly more than traditional rental DSCR loans due to the higher perceived risk of short-term rental income.
No. Like all DSCR loans, STR financing qualifies you based on the property's projected rental income, not your personal income. No tax returns, W-2s, or employment verification required.
The best Airbnb markets combine strong tourism or business travel demand, favorable local regulations, and reasonable acquisition costs relative to rental income. Pinnacle Funding Network publishes market-specific guides for 20 top investor markets.
Yes, as long as the property is classified as an investment property (not a primary or secondary residence). DSCR loans for STR properties are available for single-family homes, condos, and multi-unit properties in most markets.