DSCR Loan Highlights for STR Investors

• Up to 80% LTV for purchases
• Up to 75% LTV for rate-and-term refi
• Up to 70% LTV for cash-out refinance
• 5/1 ARM or 30-Year Fixed Terms
• Interest-Only Options Available
• Loan Amounts from $100K to $5M
• Flexible Prepayment Penalties
• Minimum FICO: 680+

Minimum loan amount for STR financing: $250,000
​Why Investors Love DSCR Loans for Vacation Rentals:

• Qualify based on Airbnb/Vrbo income or projected rent
• Skip income verification, W-2s, and tax returns
• Close under an LLC to protect your personal credit and DTI
• Refinance existing vacation rentals or purchase your next income-generating getaway
• Use for one property or multiple through cross-collateralization

Short Term Rental Loans

DSCR Loans for Airbnb & Vacation Rentals — Flexible Financing for Short-Term Rental InvestorsThe short-term rental market is booming — and smart investors are cashing in. With platforms like Airbnb, Vrbo, and even your own vacation rental website, short-term rentals (STRs) offer massive income potential.
Our DSCR loans for short-term rentals make it easy to get financing based on the income your property generates — not your job, W-2s, or tax returns.
Perfect for investors building or expanding a vacation rental portfolio
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Why Use a DSCR Loan for Short-Term Rentals?
Unlike traditional loans that require long-term leases, DSCR loans let you qualify based on projected or actual STR income — making them ideal for Airbnb and vacation rental properties.
Lenders can accept:

• 12-month trailing income from Airbnb, Vrbo, or a property manager
• AirDNA reports and third-party market analytics
• Form 1007 rent schedules from your appraisal

That means you can finance properties based on real market income — not tax documents.

STR Loan Coverage Areas
We finance vacation rental properties in top-performing short-term rental markets across:
Orlando • Tampa • Jacksonville • Gulf Coast • Central Florida • and more

(407) 604-2320
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