DSCR Airbnb / Short-Term Rental Loans in Phoenix AZ 2026

Arizona's pro-STR statewide preemption (AZ-1350) — Old Town Scottsdale and resort-adjacent SFR producing DSCRs of 1.40+.

This guide walks through how the DSCR airbnb / short-term rental program applies specifically in Phoenix, AZ — qualifying math, sub-market specifics, common pitfalls, and how to get a quote in 30 seconds.

The Phoenix Airbnb / Short-Term Rental DSCR Profile

Arizona's pro-STR statewide preemption (AZ-1350) — Old Town Scottsdale and resort-adjacent SFR producing DSCRs of 1.40+ — that's the high-level view. The mechanics of how the lender qualifies you mirror the universal Airbnb / Short-Term Rental DSCR program, with Phoenix-specific market dynamics applied on top.

2026 Program Snapshot — Phoenix Airbnb / Short-Term Rental

What to Expect

Rate range: Standard DSCR pricing applies (6.50–7.75% on strong files)
Max LTV: Per the topic-specific program — see universal Airbnb / Short-Term Rental program
Min FICO: 620 floor; 720+ for best pricing
Close time: 21–30 days standard
AZ state-level overlays: Standard non-judicial / judicial foreclosure rules apply; see Phoenix general DSCR guide
Specialty: Arizona's pro-STR statewide preemption (AZ-1350) — Old Town Scottsdale and resort-adjacent SFR producing DSCRs of 1.40+...

Why Phoenix Investors Choose DSCR Capital Partners

Wholesale lender access — we route your Phoenix airbnb / short-term rental file across 8–12 wholesale DSCR programs and find the lender whose overlays match best.
Phoenix-specific underwriting experience — we close airbnb / short-term rental DSCR files in Phoenix regularly. Familiar with local appraisers, title companies, and inspection norms.
Direct loan officer access — single point of contact from intake to funding. No call-center handoffs.
21–30 day close standard, faster on clean files.

Frequently Asked Questions

Are short-term rentals legal in Phoenix, AZ? +

Arizona operates under a pro-STR statewide preemption (AZ-1350), which is the defining regulatory feature of the Phoenix market. That state-level framework is a key reason Phoenix works well for Airbnb / short-term rental DSCR financing compared to markets governed city-by-city.

Which Phoenix-area sub-markets produce the strongest STR numbers? +

Old Town Scottsdale and resort-adjacent single-family homes are the standouts, producing DSCRs of 1.40+. Those coverage ratios sit well above the break-even level lenders look for on short-term rental files.

How does a Phoenix Airbnb DSCR loan qualify? +

Qualification mirrors the universal Airbnb / Short-Term Rental DSCR program, with Phoenix-specific market dynamics applied on top. The credit requirement is a 620 FICO floor, with 720+ needed for the best pricing.

What DSCR rates should I expect on a Phoenix short-term rental in 2026? +

Standard DSCR pricing applies — roughly 6.50–7.75% on strong files. Maximum LTV follows the topic-specific Airbnb / Short-Term Rental program, and Arizona's standard non-judicial / judicial foreclosure rules apply at the state level.

How long does a Phoenix STR DSCR loan take to close? +

21–30 days is standard, faster on clean files. Each file is routed across 8–12 wholesale DSCR programs to find the lender whose overlays match best, with a single point of contact from intake to funding.

Get a Phoenix Airbnb / Short-Term Rental DSCR Quote

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Related Resources

DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548). Informational only; not a loan commitment. Equal Housing Lender.

DSCR Airbnb / Short-Term Rental Loans in Phoenix, AZ