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.
Get a Phoenix Airbnb / Short-Term Rental DSCR Quote
30-second eligibility check. No credit pull. No commitment.
Check My Eligibility →Related Resources
- DSCR Loans in Phoenix — General Guide
- Airbnb / Short-Term Rental DSCR Program — Full Details
- 2026 DSCR Loan Requirements
- DSCR Loan Credit Score Matrix
- DSCR Glossary
DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548). Informational only; not a loan commitment. Equal Housing Lender.