Short-Term Rental Finance
Analyze any STR deal in 60 seconds.
Cash flow, DSCR, RevPAR, seasonal revenue, and STR vs LTR premium — all from your Airbnb or VRBO property numbers.
No Tax Returns Required
STR Income Accepted
25% Down Typical
Foreign Nationals OK
STR Property Details
Airbnb / VRBO / short-term rental
Purchase Price
$
Down Payment
%
Interest Rate
%
Avg Daily Rate (ADR)
$
Occupancy Rate
%
Platform Fee
%
Cleaning / Stay
$
Avg Stays / Month
stays
Tax & Insurance / Mo
$
Utilities / Mo
$
Mgmt Fee
%
Maintenance / Mo
$
LTR Comp Rent
$
Loan Term
yr
Monthly Cash Flow
--
--
CALCULATING
DSCR
--
RevPAR
--
Cap Rate
--
Gross Revenue
--
Net Revenue
--
STR Premium
P&I
--
Cash-on-Cash
--
Annual NOI
--
Revenue Allocation
Income
Costs
Seasonal Revenue (12 Mo)
Qualify this STR on DSCR
No tax returns. Airbnb income accepted. 25% down typical.
Common Questions
Frequently Asked
Do lenders use Airbnb income to qualify?
Yes. Most DSCR lenders accept 12 months of platform statements or a market rent analysis. We work with STR-friendly lenders specifically.
What DSCR do I need for an STR loan?
Most require 1.00 minimum. Grade A (1.25+) gets the best pricing. Some programs allow down to 0.75 with a larger down payment.
Do I need tax returns?
No. DSCR loans qualify on property income only — no personal income or tax returns required.
What down payment is required?
Typically 20-25%. Some lenders require 25-30% on STR income specifically.
Can a foreign national get a DSCR loan on an STR?
Yes. Foreign national DSCR programs exist specifically for this. Down payment is typically 30-35%.
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