Best DSCR Loan Lenders for Airbnb & Short-Term Rentals 2026:
No W-2. No Tax Returns. Just Your STR Income.
20% down
Minimum for STR DSCR
1.20x
Typical min DSCR required
AirDNA
STR income proof accepted
⚡ The Smart Airbnb Investor's Financing Secret:
DSCR loans don't look at your W-2 or tax returns. They only care about one thing: does the property's income cover the mortgage payment? For Airbnb properties generating $4,000–$8,000/month, this is a slam-dunk. The challenge: finding lenders who accept short-term rental income for DSCR qualification — not all of them do. This guide shows you the 8 who do.
🏆 Top 3 DSCR Lenders for Airbnb — June 2026
Top 3 STR DSCR Lenders — Ranked by STR Income Acceptance & Rate
All accept AirDNA or booking history for income qualification
Full Ranking: 8 Best DSCR Lenders for Short-Term Rentals
Visio Lending
Best STR DSCR Specialist — ⭐⭐⭐⭐⭐
Rate From
From 7.75%
Min DSCR
1.0x
Min Down
20%
Min Credit
680
STR Income Documentation Accepted:
AirDNA projections + 12-month booking history + 1099-K
✅ Pros:
- • #1 lender for non-owner-occupied STR properties
- • Accepts AirDNA for brand-new STR purchases
- • No limit on number of properties
- • 30-year fixed and ARM options
❌ Cons:
- • Rates slightly higher than banks
- • No primary residence loans
Griffin Funding
Best Rate for Strong DSCR Properties — ⭐⭐⭐⭐⭐
Rate From
From 7.55%
Min DSCR
1.0x
Min Down
20%
Min Credit
660
STR Income Documentation Accepted:
AirDNA or 12-month 1099-K or Airbnb income summary
✅ Pros:
- • Lowest base rate among STR specialists
- • Works with experienced and first-time STR investors
- • Fast 20-day close
- • LLCs and entities accepted
❌ Cons:
- • 660 credit minimum — slightly higher than some competitors
- • Processing slower in high-volume periods
Angel Oak Mortgage
Best for Asset-Based (No DSCR Required) — ⭐⭐⭐⭐½
Rate From
From 7.90%
Min DSCR
0x (no-ratio available)
Min Down
30%
Min Credit
640
STR Income Documentation Accepted:
AirDNA projections accepted even without operating history
✅ Pros:
- • No-ratio DSCR option for high-net-worth investors
- • Best for new markets where STR history doesn't exist
- • Accepts foreign nationals
❌ Cons:
- • 30% down required for no-ratio loans
- • Higher rate vs income-verified DSCR
Kiavi (formerly LendingHome)
Best for Fast STR Funding — ⭐⭐⭐⭐
Rate From
From 7.95%
Min DSCR
1.10x
Min Down
20%
Min Credit
660
STR Income Documentation Accepted:
12-month Airbnb/VRBO history + AirDNA for new properties
✅ Pros:
- • Fastest close in the industry (10–15 days for experienced investors)
- • Streamlined online portal
- • Works with STR and mid-term rental properties
❌ Cons:
- • 1.10 minimum DSCR slightly higher than best competitors
- • Focus on experienced investors
Deephaven Mortgage
Best Non-QM DSCR with STR Focus — ⭐⭐⭐⭐
Rate From
From 7.85%
Min DSCR
1.0x
Min Down
25%
Min Credit
620
STR Income Documentation Accepted:
Accepts Rabbu or AirDNA reports, 12-month history
✅ Pros:
- • Lowest credit score requirement (620)
- • Strong STR market expertise
- • LLC, trust, and entity purchases accepted
❌ Cons:
- • 25% minimum down payment
- • Slightly slower than Kiavi
📊 STR DSCR Calculator: Does Your Airbnb Qualify?
Use this table to estimate whether your target property will hit the minimum 1.20x DSCR threshold required by most lenders.
| Property / Market | Purchase Price | Monthly PITI | Avg STR Income | DSCR | Result |
|---|---|---|---|---|---|
| Smoky Mtns cabin, TN | $350K | $2,400 | $4,800/mo | 2.00x | ✅ Qualifies |
| Orlando condo, FL | $280K | $1,950 | $3,200/mo | 1.64x | ✅ Qualifies |
| Scottsdale home, AZ | $520K | $3,600 | $5,100/mo | 1.42x | ✅ Qualifies |
| Nashville townhouse, TN | $420K | $2,950 | $3,500/mo | 1.19x | ❌ Too Low |
| LA condo, CA | $750K | $5,200 | $4,800/mo | 0.92x | ❌ Too Low |
| Gulf Shores beach, AL | $460K | $3,200 | $6,200/mo | 1.94x | ✅ Qualifies |
STR income from AirDNA market averages. Actual income varies by season, property quality, and management. PITI based on 20% down, 7.75% rate.
Your Airbnb Can Finance Itself
Get quotes from the top 8 DSCR lenders who accept short-term rental income. Compare rates, DSCRs, and terms in minutes — no personal income verification required.
Compare STR DSCR Loan Quotes →Airbnb DSCR Loan FAQ 2026
Q: Can I finance an Airbnb in my own name or do I need an LLC?
Both options work. Most DSCR lenders accept loans in personal name OR LLC/entity. Many experienced investors prefer LLC for liability protection. Some lenders offer slightly lower rates for personal-name loans due to simpler underwriting. LLCs accepted by: Visio Lending, Griffin Funding, Angel Oak, Kiavi, Deephaven. If you plan to scale to 5+ properties, LLC from the start is recommended for portfolio management.
Q: What happens if Airbnb bans short-term rentals in my city?
This is the #1 risk of STR DSCR investing. If local regulations ban Airbnb, your DSCR could drop dramatically (long-term rents are typically 40–60% lower than STR). Mitigation strategies: (1) Buy in STR-friendly jurisdictions with established permitting. (2) Ensure the property works as a long-term rental if STR bans occur. (3) Ask your lender how they handle DSCR if rental strategy changes. (4) Diversify across multiple markets.
Q: How many DSCR Airbnb loans can I have at once?
Most DSCR lenders have no limit on the number of properties — this is one of the main advantages over conventional financing (which caps at 10 financed properties for conventional loans). Visio Lending explicitly markets unlimited properties. Griffin Funding also allows unlimited DSCR loans. Your equity and credit score are more limiting factors than loan count.
Ready to Scale Your Airbnb Portfolio?
No W-2, no tax returns, no income limits. Just your STR income and 20% down. Get matched with STR DSCR specialists now.
Get My STR DSCR Quotes →Free quotes • No personal income docs • STR specialists
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