Short Term Rental Loan powered by Honest Casa
Qualify on rental income Get My Loan Options

Finance the Airbnb on its income — not your tax returns.

Conventional lenders don't know what to do with a short-term rental: the income is 'irregular,' the LLC is 'complex,' your write-offs 'disqualify' you. DSCR lending flips the script — the property's rental income carries the loan, whether you're buying your first STR or refinancing a portfolio.

DSCR qualification: the property's rental income does the qualifying
Purchases, cash-out refis, and rate/term refis on STRs and MTRs
Close in an LLC — 30-year fixed and interest-only options available
STR income countsAirbnb / VRBO history or market rents
No personal tax returnsDSCR = property qualifies itself
LLC ownership welcomeVest in your entity, not your name
Investor-grade terms30-yr fixed & interest-only options
Your loan options are 60 seconds away 0%

How much financing do you need?

Purchase price, refi balance, or cash-out amount — ballpark is fine. Check your rate as of .

$400,000

For a purchase, refinance, or cash-out

$100K$3M
Secure ~60 seconds No SSN needed

Tell us about the property's numbers

For a purchase, use the target property. Best guesses are fine.

ESTIMATED EQUITY / DOWN-PAYMENT POSITION$150,000

What's your credit score range?

Your best estimate is fine — it's confirmed later in the process.

What's the play?

This routes your scenario to the right loan programs.

What's the property address?

Start typing and select your address — we verify it instantly so your loan options is accurate.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your loan options?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your loan options.

Legal first name is required
Legal last name is required
Enter a valid date of birth (MM/DD/YYYY)
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your loan options and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats — you're a fit!

Your scenario is in. A loan specialist will review it against our DSCR and STR lender network and reach out with real options.

Requested financing$100,000
Estimated equity$150,000
Property—
What happens next: Watch your email and phone — Moh Alloo at West Capital Lending will personally reach out within one business day with loan options matched to your scenario. No documents needed until you've seen the terms.

Fit is based on the answers you provided and is not a loan approval. Loan options are subject to verification, credit approval, and underwriting.

Run your DSCR in 10 seconds

DSCR = monthly rental income ÷ monthly payment (principal, interest, taxes, insurance, HOA). Most programs want 1.0+; stronger ratios unlock better pricing — and some programs go below 1.0 with more equity.

Rule-of-thumb calculator only — programs differ on how STR income is documented (actual host history vs market-rent reports) and on minimum ratios. Your specialist runs the lender-specific version with real quotes.

Your DSCR1.33
ReadingStrong — most programs available
Monthly cash-flow margin$1,500/mo

From scenario to funded STR in 3 steps

DSCR lending is built for investors — the process respects your time and your entity structure.

01

Share your scenario

Sixty seconds on the property, the numbers, and the play — purchase, cash-out, or refi. No documents, no SSN, no hard pull to see options.

~60 seconds
02

Get matched to programs

Your scenario is run against a 90+ lender network's DSCR, STR, and mid-term rental programs — actual Airbnb history, market-rent projections, LLC vesting, interest-only options and all.

1 business day
03

Close in your entity

Pick the term sheet that fits, close in your LLC if you want, and put the property to work. Typical DSCR closings run 2–4 weeks including appraisal.

2–4 weeks

Why STR investors use DSCR financing

The property qualifies itself

DSCR (debt service coverage ratio) compares the property's rental income to its payment. When the income covers the debt, the deal works — your personal DTI, W-2s, and tax returns stay out of it.

STR income actually counts

Conventional underwriting discounts or ignores Airbnb income. DSCR programs price it in — using your actual booking history or professional market-rent data for the address.

Built for entities and portfolios

Close in an LLC, keep properties separated for liability, and add doors without your personal borrowing capacity capping out — DSCR loans don't count against conventional loan limits.

Terms designed for cash flow

30-year fixed options, interest-only periods to maximize monthly cash flow, and cash-out structures to recycle equity into the next acquisition.

DSCR STR loan vs. the alternatives

The honest matchup for investment property financing.

Short Term Rental LoanRECOMMENDEDConventional investor loanHard money
Qualifies on property income Yes — that's DSCR No — your DTI Asset-based
Personal tax returns required No 2 years, typically Usually no
STR/Airbnb income counted Yes Heavily discounted Sometimes
Close in an LLC Yes Rarely allowed Yes
Typical rate level Investor market rates Lower, if you qualify Much higher (8–13%+)
Typical term 30-yr fixed / IO options 30-yr fixed 6–24 months
Best for Buy-and-hold STRs W-2 borrowers, few doors Flips & bridge only

Frequently asked questions

How do loans for short-term rentals work?
Most STR financing today is DSCR lending: the lender qualifies the deal on the property's debt service coverage ratio — rental income divided by the monthly payment — instead of your personal income. If the property's income covers its debt (typically a ratio of 1.0 or better), the loan works, regardless of what your tax returns look like.
How is Airbnb income documented?
Two main routes: actual history (12+ months of Airbnb/VRBO host statements or bank deposits) for properties already operating, or market-rent projections (professional short-term-rental income reports for the address) for purchases. Different lenders prefer different documentation — this is exactly where a broker across many DSCR programs earns their keep.
Can I close in an LLC?
Yes — LLC vesting is standard in DSCR lending, and most investors use it for liability separation. You'll typically provide the entity documents and a personal guaranty; the loan reports on the property, not against your conventional loan limits.
What down payment or equity do I need?
Typically 20–25% down on purchases (75–80% LTV), and similar equity for cash-out refinances. Stronger DSCR ratios and credit unlock the best leverage. Rates and maximums vary by program, property type, and state.
Do my credit score and personal finances matter at all?
Credit score matters for pricing and program eligibility (most DSCR programs want 660+, better terms at 700+/740+). But your DTI, employment, W-2s, and tax returns are not part of qualification — the property's income is.
What about mid-term rentals — 30-day+ furnished stays?
Same DSCR framework, often with lease-based or market-rent documentation instead of nightly-booking history. Mid-term rentals (travel nurses, relocations, insurance stays) are increasingly common and well covered in the lender network — pick 'Buy a mid-term rental' in the form.
Can I get a HELOC on a rental property instead of refinancing it?
Sometimes — a limited set of lenders offer investment-property HELOCs, useful when your rental's first mortgage has a rate worth keeping. Select 'HELOC on a rental' in the form and your specialist will check current second-lien options for investment properties in your state.
What are typical DSCR loan terms?
30-year fixed is the workhorse; interest-only periods (usually the first 10 years) are available to maximize cash flow; adjustable options exist as well. Prepayment penalties of 3–5 years are common on DSCR loans (they're how the rates stay competitive) — always compare the penalty structure, not just the rate.
Why does this form not show me an instant rate?
Because DSCR pricing genuinely depends on the property's numbers, documentation route, and which of many lender programs fits. Instead of a fake instant quote, your scenario is reviewed by a specialist against a 90+ lender network — with real terms back, usually within one business day, and no documents required until you've seen them.
Who is behind this?
ShortTermRentalLoan.com is powered by Honest Casa (NMLS #1566096), an Equal Housing Lender headquartered in Irvine, CA, brokering DSCR and investor programs across a 90+ lender network. Verify licensing at NMLS Consumer Access.

The property's income is the application.

Share your scenario in 60 seconds — real loan options within one business day.

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