Financing for Airbnb and short-term rentals
DSCR loans for short-term, mid-term and long-term rental properties nationwide. Qualify on the property’s earning power, including AirDNA market data, not your W-2.
Program highlights
- Qualify on AirDNA market data or booking history
- Purchases and cash-out refinances
- No seasoning on refinances
- Close in your LLC
- Loans that typically don’t report to your personal credit
Why STR financing needs a specialist
Many lenders don’t know how to underwrite short-term rental income, so they either cap leverage or use long-term rent and kill the ratio. We place STR loans with capital partners who underwrite short-term income properly.
Brian Bowman is a short-term rental owner himself, so he structures these loans from the investor’s side of the table: occupancy, seasonality, furnishing costs and the exit.
Recent STR deals
Long Pond, PA: hard money purchase and $350K renovation, refinanced on AirDNA data with no rent history; $876K final value, $125K cash-out.
STR purchase saved at the deadline: after the first lender denied the loan, we moved it to a new bank and got it approved in the final hours.
What investors say
“Not only did he guide me through the financing process for my short-term rental purchase with a DSCR loan, but he also shared his own knowledge and experience as a successful STR owner.”
“Aggressive deadlines, unexpected bank requirements, and even a denial from the first lender that could have easily killed the deal. But Brian never wavered. He immediately pivoted, found a new bank… and get it approved in the final hours, literally saving the deal.”
From verified client reviews. 4.8★ across 1,575 reviews.
Questions investors ask
Can I get a DSCR loan for an Airbnb?
Yes. DSCR loans are available for short-term rentals (Airbnb, VRBO), mid-term rentals and long-term rentals. The property’s income, or projected market income, is used to qualify.
How is short-term rental income calculated?
Depending on the capital partner, STR income is based on the property’s booking history or on market data such as AirDNA. No personal income is required.
Can I buy my first short-term rental with a DSCR loan?
Yes. First-time investors can qualify; experience requirements vary by capital partner and leverage level.
Do you finance mid-term rentals?
Yes. Mid-term rentals (furnished stays of 30+ days for traveling professionals and similar tenants) can be financed with DSCR loans.
Get your terms
Send the deal. We’ll structure it to qualify for the best terms our capital partners offer, and show you the options side by side.
Business-purpose loans for investment properties only; not for owner-occupied homes. Terms, leverage and approval depend on the property, the borrower’s credit and capital-partner guidelines and are not guaranteed. Programs and availability vary by state. Where state law requires a license, loans are originated through appropriately licensed partners.
