Qualify on AirDNA-projected income — no rental history, no W-2s, no tax returns. We finance Airbnb, VRBO, and vacation rentals nationwide with STR-friendly programs from 50+ wholesale lenders.
Short-term rental property only · No impact to credit score
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STR DSCR loans are the only realistic way to finance an Airbnb without 12 months of operating history. Here's how it works.
The lender (or you) runs an AirDNA Rentalizer report on the subject property. It projects what the property would have earned over the last 12 months in its specific submarket based on actual comp data — not your assumptions.
The lender takes the AirDNA gross projected revenue and applies a haircut — typically 80–90% — to account for vacancy, management, and platform fees. Net STR income is what counts toward the DSCR calculation.
Net STR income ÷ (P&I + taxes + insurance + HOA) = DSCR. Hit 1.0+ and you qualify standard. We have programs that accept down to 0.75 DSCR, plus no-ratio STR programs for the right files.
Many DSCR lenders only do long-term rental. We've placed STR loans in every major vacation market in the US — we know which wholesale lenders price aggressively on AirDNA files and which ones will haircut your income to death.
Most lenders cap at warrantable condos and standard SFRs. We have condotel programs (Orlando, Vegas, Hawaii), cabin programs (Gatlinburg, Pigeon Forge, Broken Bow), and even tiny-home/A-frame programs.
Independent broker. We shop your STR file across 50+ wholesale lenders — including the 8–10 that genuinely understand STR — and bring you the best rate. Direct lenders only have one rate sheet.
Your AirDNA come in at 0.85? We have lenders who fund down to 0.75 DSCR. Strong credit + 30% down? We have no-ratio STR programs that skip the AirDNA calculation entirely.
Heavy in Orlando, Miami, Las Vegas, Park City — STR is a foreign-national-favorite asset class. We close foreign-national STR deals without US tax returns or US credit. 65–70% LTV available.
STR markets move fast and listings get multiple offers. Our funded data shows 14–21 day closes on STR DSCR loans — same speed as long-term rental DSCR. No surprise condition adds.
From beachfront condos to mountain cabins, single-family vacation homes to multi-unit STR portfolios — we close DSCR loans in every US STR submarket.
| 2026 Airbnb / STR DSCR Program Overview | |
|---|---|
| Loan amount | $100,000 – $3,000,000 (larger available for portfolio files) |
| Maximum LTV | Up to 80% (purchase), 75% (cash-out refi). Foreign nationals 65–70%. |
| Interest rate | From 6.25% (STR typically prices 0.25–0.50% above LTR DSCR) |
| Minimum DSCR | 1.0 standard · programs down to 0.75 DSCR · no-ratio STR available |
| Minimum credit score | 620 FICO (top pricing at 720+) |
| Income documentation | None on borrower. AirDNA Rentalizer report on the property (or actual STR P&L if available). |
| Eligible property types | SFR vacation homes, cabins, 2–4 unit STR properties, warrantable condos, condotels, tiny homes |
| Eligible borrowers | US citizens, permanent residents, foreign nationals, ITIN holders, LLCs/trusts |
| Term | 30-year fixed, 5/1 ARM, 7/1 ARM, interest-only available |
| Pre-payment penalty | 3–5 year step-down typical (waivable for fee) |
| Reserves required | 3–6 months PITIA in liquid reserves typical |
| Time to close | 14–21 days for most files |
Rates and terms subject to change without notice. Final terms determined at underwriting. Brokered by United Trust Mortgage, NMLS #2591548. Loan products offered through participating wholesale lenders. Restrictions apply. Investment property loans for business purposes only. Equal Housing Opportunity.