DSCR Loans for Airbnb and Short-Term Rental Properties

How to finance an Airbnb or VRBO property with a DSCR loan. Learn how lenders calculate STR income, what documentation is required, and which loan programs allow short-term rentals.

Short-term rental properties (Airbnb, VRBO, Vacasa) can qualify for DSCR loans using projected or documented short-term rental income. Lenders typically use AirDNA market data, 12-month STR income history, or a market rent appraisal to calculate the DSCR.

How to finance an Airbnb or VRBO property with a DSCR loan. Learn how lenders calculate STR income, what documentation is required, and which loan programs allow short-term rentals.