DSCR Loans for Airbnb and Short-Term Rentals
Some DSCR programs will qualify a short-term rental on its nightly rental income instead of a long-term lease.
How income is measured
Depending on the program, lenders may use the property's booking history, a market data projection or an appraiser's short-term rent estimate.
What to expect
- Terms are often more conservative than for long-term rentals
- Local rules matter: some cities restrict or ban short-term rentals
- Furnishing, management and seasonality affect the numbers
Have 12 months of booking history? Bring it. It usually makes the strongest case.
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