Residential Investment
DSCR Short-Term Rental Loans
Financing for Airbnb, Vrbo, and vacation rental properties. Qualified on the property's short-term rental income, not your personal income.
Who this is for
STR investors building vacation rental portfolios. Operators converting properties from long-term to short-term use. Investors in destination markets, vacation areas, or urban STR-friendly zones. We finance the deals banks won't touch because they don't know how to underwrite STR income.
Typical loan structure
- Underwriting
- Based on short-term rental income, projected or trailing.
- Income docs
- AirDNA, Mashvisor, or similar projections accepted. Trailing platform statements (Airbnb, Vrbo) when available.
- Lien
- First lien on the property.
- Markets
- Vacation, urban, and tourism destination markets nationwide.
- Property types
- Single-family STRs, condos, small multifamily STR portfolios.
Banks won't touch STR underwriting because the income looks lumpy and seasonal. We do this every day. We look at realistic income projections, factor in occupancy and seasonality, and structure the loan to the actual cash flow profile.
Common use cases
- Airbnb and Vrbo property purchases
- STR conversions from long-term rentals
- Vacation rental portfolio expansion
- Investor cabins, beach houses, mountain properties
- Refinancing acquisition loans into STR-specific terms
- Urban condo STRs in regulation-favorable markets