Best DSCR Lenders for
Airbnb & Short-Term Rentals 2026
Airbnb earns your beach house $5,200/month. Your PITIA is $3,450. That's a 1.51x DSCR — well above the 1.0x minimum. No W-2 needed. No personal income required. AirDNA projections accepted for new purchases. Here are the lenders who get it.
1.0x
Min DSCR required
20%
Min down payment
$0
Personal income shown
📐 DSCR Calculator: $550K Beach House (Destin, FL)
| Property Type | Beach House (Destin, FL) |
| Purchase Price | $550,000 |
| Down Payment (20%) | $110,000 |
| Loan Amount | $440,000 |
| AirDNA Projected Annual Revenue | $62,400/year ($5,200/month avg) |
| Monthly PITIA | $3,450 (7.5% rate, 30yr, taxes, insurance) |
| DSCR Calculation | $5,200 ÷ $3,450 = 1.51x DSCR ✅ |
| Lender Requirement | 1.0x minimum → COMFORTABLY QUALIFIES |
| Cash Flow | +$1,750/month positive cash flow after debt service |
| Annual Net (after mgmt 20%) | ~$10,740/year net cash flow |
Key takeaway: AirDNA projected $62,400/year → DSCR = 1.51x. This beach house not only qualifies for DSCR financing but also generates $10,740/year net positive cash flow — AND appreciates in value. That's the STR investor trifecta.
⚔️ STR vs Long-Term Rental: Which Is Better for DSCR Financing?
| Factor | 🏖️ Short-Term Rental (STR) | 🏠 Long-Term Rental (LTR) | Winner |
|---|---|---|---|
| Income Potential | $5,000-8,000/month (beach) | $2,500-3,500/month (same property) | STR |
| Income Stability | Seasonal — varies 80%+ Jan-July | Fixed monthly — highly predictable | LTR |
| Vacancy Risk | High (platform changes, local bans) | Low (typical 5-10% vacancy) | LTR |
| DSCR Qualification | Harder — lenders apply conservative avg | Easier — 75% of lease rent | LTR |
| Local Regulations | STR bans expanding 2024-2026 | Minimal regulatory risk | LTR |
| Cash Flow If Rates Rise | Can adjust nightly rate up | Lease locks rent for 12 months | STR |
| Management Effort | High (guest turnover, cleaning, 24/7) | Low (annual lease, minimal contact) | LTR |
| Financing Rate Premium | +0.25-0.5% over LTR DSCR | Standard DSCR rates | LTR |
🏆 Best DSCR Lenders for STR/Airbnb 2026 — Ranked
Visio Lending
Specialty: Long-term + STR, AirDNA approved
Kiavi (LendingHome)
Specialty: Fix-and-flip + DSCR STR
7.25-9.00%
Est. 2026 rate
Angel Oak Mortgage
Specialty: Non-QM + STR, large loans
7.25-8.75%
Est. 2026 rate
CoreVest Finance
Specialty: 5+ STR portfolio financing
7.00-8.50%
Est. 2026 rate
Acra Lending
Specialty: Low DSCR / no-DSCR STR option
8.00-10.00%
Est. 2026 rate
A&D Mortgage
Specialty: Flexible STR income calculation
7.25-8.75%
Est. 2026 rate
🏖️ Your Airbnb Pays the Mortgage — Your Lender Just Needs to Know
No W-2. AirDNA projections accepted. 20% down. DSCR lenders get it — standard banks don't.
❓ DSCR Airbnb Loan FAQ
How does a DSCR loan work for Airbnb?
Do DSCR lenders accept AirDNA data?
What DSCR do I need for Airbnb?
What is the minimum down payment for a DSCR Airbnb loan?
What are DSCR rates for Airbnb in 2026?
🏖️ Finance Your Airbnb on Revenue Alone — No Income Required
AirDNA-approved lenders exist. DSCR 1.0x minimum. Compare rates in 3 minutes — no personal income docs required.
📚 Related STR & Investor Guides
Meet Michael
Reverse Mortgage & Senior Specialist
Michael Thompson is a leading expert in reverse mortgages and senior financing solutions with 15 years of specialized experience. As a certified HECM specialist, he has helped thousands of seniors access their home equity for retirement planning. His compassionate approach and deep knowledge of FHA reverse mortgage guidelines make him a trusted advisor for families navigating senior housing and financial planning decisions.
EXPERTISE:
KEY ACHIEVEMENT:
Helped 3,000+ seniors access $500M+ in home equity