Short-Term Rental DSCR Loans

Financing built specifically for Airbnb and VRBO properties.

Program Overview

Traditional lenders often struggle with short-term rental income. Our STR DSCR loans are designed to use historical revenue from AirDNA or actual operating history to qualify the property for financing.

Why Investors Choose This Program

Property-Cash-Flow Focus: Programs typically evaluate property cash flow rather than personal income documentation.
Unlimited Properties: Expand your portfolio without hitting Fannie Mae's 10-property limit.
LLC Closing: Protect your personal assets by closing in a corporate entity.
Faster Processing: Asset-based underwriting leads to quicker approvals.

Typical Required Documents

Property Appraisal (ordered by lender)
Current Lease Agreement (if rented)
Property Insurance Dec Page
2 Months Bank Statements (for reserves)
LLC Articles of Organization
Government-issued ID

Ready to move forward?

Submit a brief inquiry to review estimated pricing and leverage options for your specific deal.

For business-purpose loans on non-owner-occupied investment properties only.

Business-purpose/investment-property financing only. Not for owner-occupied primary residence loans.

DSCR Loans & Investment Property Financing Nationwide

Investor Loan Finder helps real estate investors apply for DSCR loans, fix-and-flip loans, hard money loans, and rental property financing — with no tax returns required. Get pre-qualified in minutes. After you submit, our team follows up with you about your request.

What Is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on property rental income rather than personal tax returns or W-2s. Ideal for real estate investors with multiple properties or self-employed income.