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Mid-term rentals (30-90 day stays) - does this count as STR or LTR for DSCR?

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Lauren K. · May 2, 2026 · 512 views

I run furnished rentals to traveling nurses and corporate clients - mostly 60-90 day stays. Lender asked if it was short-term or long-term and I genuinely don't know which bucket I fall into. Anyone done a DSCR loan on an MTR property?

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2 replies
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Arin B. May 2, 2026

For DSCR purposes, MTR (30-90 day stays) is treated as short-term by most lenders, including us. We use the same 75-80% factor on projected gross revenue that we apply to traditional STR. Furnished rental comps from AirDNA or Furnished Finder work for the income analysis.

DH
Diane H. May 2, 2026

I have an MTR portfolio for travel nurses. The DSCR usually pencils better than a long-term lease in the same market because nightly rates are 2-3x higher even after the conservative factor.

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