Our Short-Term Rental DSCR Loans are built for Airbnb and vacation rental investors who need scalable, property-based funding that rewards cash flow, not tax returns.
Loans up to $5 million
Fixed-rate or interest-only options
Purchase and refinance programs
Traditional lenders don't understand Airbnb economics — we do. Our STR DSCR loans are built around nightly and seasonal performance.If your property cash flows, you can qualify.
Qualification is based on proven or projected Airbnb and VRBO rental data, not your W-2. If your property cash flows, you can qualify.
Most STR deals close in weeks, not months. One dedicated rep from submission to funding.
Finance one property or dozens under a single lending partner. We support blended DSCR across portfolios for investors scaling fast.
Approval is based on the property's rental performance, not your personal finances.
We evaluate deals like investors do. If your short-term rental cash flows, you’re already halfway to approval.
$75,000 – $5,000,000
1.15+ using gross or adjusted rental income
660 (lower accepted with compensating factors)
Single-family homes, condos, townhomes, 2–4 unit properties
Appraisal + market rent estimate from AirDNA, STR platforms, or local comps
01
Tell us about the property and your strategy.
02
Get pre-qualified based on property income.
03
Choose between fixed-rate or interest-only structures.
04
Our average close time is measured in weeks, not months.
“Their team is top notch. I’ve done multiple loans with them. Highly recommend.”
“This company is AWESOME...great communication and such a quick closing.”
Austin, Nashville, Miami, Phoenix, Denver
Florida Panhandle, Gulf Coast, Outer Banks, SoCal, Hawaii
Smoky Mountains, Colorado Rockies, Lake Tahoe
New England, Midwest Lakes, Southwest Desert
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming. Currently unavailable in ND, SD, VT, and NV.
What is a Short-Term Rental DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan for STRs is based on your property’s rental income potential — not your personal income or employment.
Do you lend nationwide?
We lend in 46 states and specialize in major STR markets across the U.S.
What’s the maximum loan amount?
Up to $5 million per property or portfolio.
Do you use projected Airbnb income?
Yes. We can qualify based on actual or market-projected short-term rental income using data from sources like AirDNA or local comps.
Can I refinance or pull cash out?
Yes — we offer both rate-term and cash-out refinance options for STR investors.
Who qualifies?
Investors with a 660+ credit score and properties that generate sufficient rental income to cover debt service.
Our headquarters
50 Park Place, Suite 301
Newark, NJ 07102
assets
