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Can a DSCR Loan Be Used for Short‑Term Rentals Like Airbnb?
Many DSCR lenders allow short‑term rentals like Airbnb and Vrbo as long as the property can support the payment through documented rental income.
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How lenders qualify short‑term rentals
- Use market rent (1007) when no STR history exists
- Use 12–24 months of STR statements if available
- Consider occupancy patterns and seasonality
- Evaluate property type and location risk
When STR income is strongest
- Consistent booking history
- High‑demand markets
- Professional management
- Strong nightly rates
Possible lender restrictions
- No condo‑hotel units
- No properties with excessive hotel‑like services
- No properties in banned STR zones
- Some lenders require a minimum DSCR using long‑term rent
Compensating factors for STR approval
- DSCR ≥ 1.00 using long‑term rent
- 20–25% down payment
- 3–12 months reserves
- Clean credit profile
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