Which DSCR lenders actually count your Airbnb income?

Name: DSCR lenders for short-term rentals
Creator: STR Lender Watch

26 lenders that finance short-term rentals, compared on what matters for STR deals: whether they qualify you on an AirDNA-style projection, require 12 months of booking history, or accept either. Every number links to the lender's own page. Last checked 2026-10-18.

How lenders count STR income

Projection 5 lenders: can qualify a new purchase with no booking history.
Either 11 lenders: booking history or projection, depending on the deal.
12-month history 2 lenders: STR income counts only with ~12 months of history (purchases use long-term market rent).
Not published 8 lenders: finance STRs but don't publish the method.

Will my Airbnb qualify? Try the DSCR calculator →

Estimated DSCR rate range

Based on the 10-year Treasury. This is an estimate, not a quote.

10-yr Treasury (Oct 15, 2026)

5.10%

Estimated DSCR range

6.10–7.60%

Estimate = 10-yr Treasury + 1.00 to 2.50 points. The spread is our editorial assumption, informed by the advertised starting rates below. Your rate depends on credit score, LTV, DSCR, prepayment penalty, points, loan size, and property type, and STR loans often price above long-term-rental loans.

Advertised "starting at" DSCR rates (checked 2026-10-18)

5.75% · Easy Street Capital: DSCR rental loans 'starting at 5.75%' (page says as of September 2025). source
6% · New Silver: DSCR loan 'from 6%'. source
6.25% · Kiavi: DSCR rental loans 'starting at 6.25%'. source
7.125% · Griffin Funding: 30-year fixed DSCR 'from 7.125%' (October 2026; 1-yr ARM from 5.99%). source

Treasury data: FRED, series DGS10, refreshed automatically.

STR-friendly DSCR lenders

Click a column to sort. Filter by state, credit score, or income method. Blank cells mean the lender doesn't publish that figure.

SearchSTR income method Property state My credit score Allows DSCR < 1.0 or no-ratio First-time investors OK

26 lenders

Lender	STR income counted from	Min credit	Min DSCR	<1.0 / no-ratio	Max LTV purchase	Max LTV cash-out	Min loan	First-time investor	States
1st Nationwide Mortgage Mortgage company	Either	640	1.00	n/p	80%	75%	$100K	n/p	Not itemized
A&D Mortgage Wholesale / correspondent	Not published	620	n/p	<1.0 OK	80%	n/p	n/p	Yes	Not itemized
Acra Lending Wholesale	12-month history	640	n/p	n/p	75%	70%	$100K	n/p	All except AK, ND, SD
America Mortgages Direct lender and broker (150+ lenders)	Either	n/p	n/p	n/p	n/p	n/p	n/p	n/p	All 50 states + DC
Angel Oak Mortgage Solutions Wholesale (via approved mortgage professionals)	Projection	680	n/p	<1.0 OK · No-ratio	85%	n/p	$100K	n/p	Not itemized
Certain Lending Direct lender	Either	700	n/p	n/p	75%	70%	$150K	n/p	Not itemized
CoreVest Finance Direct lender	Not published	n/p	n/p	n/p	70%	n/p	$500K	No	Not itemized
Defy Mortgage Direct lender	Either	640	0.75	<1.0 OK	n/p	n/p	$75K	Yes	All except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VT
Dominion Financial Direct lender	Not published	680	n/p	n/p	80%	75%	n/p	n/p	All except NV
Easy Lending USA Lender/broker	Either	680	1.00	No	85%	75%	n/p	n/p	Not itemized
Easy Street Capital Direct lender	Either	640	n/p	n/p	80%	75%	$100K	Yes	All except ND, SD
Griffin Funding Direct lender (consumer-direct)	Projection	620	n/p	<1.0 OK · No-ratio	85%	80%	$100K	n/p	All 50 states + DC
Kiavi Direct lender	Not published	n/p	0.80	<1.0 OK	n/p	n/p	n/p	Yes	Not itemized
LendingOne Direct lender	Not published	n/p	0.75	<1.0 OK	80%	75%	$85K	n/p	Not itemized
Lendmire Mortgage brokerage	Either	620	1.00	n/p	75%	n/p	n/p	n/p	Not itemized
LendSure Mortgage Wholesale	Either	660	0.75	<1.0 OK · No-ratio	85%	75%	n/p	n/p	Not itemized
Lima One Capital Direct lender	Projection	700	1.30	No	75%	70%	n/p	n/p	Not itemized
Logan Finance Wholesale / correspondent	12-month history	700	1.00	No	70%	70%	$150K	No	Not itemized
New Silver Direct lender	Either	660	1.15	No	80%	n/p	$150K	Yes	42 states/DC listed
Newfi Wholesale Wholesale	Not published	n/p	1.00	n/p	80%	n/p	n/p	Yes	Not itemized
NQM Funding Wholesale	Not published	640	n/p	n/p	n/p	n/p	n/p	Yes	Not itemized
Quickline Capital Lender	Projection	660	0.75	<1.0 OK	80%	75%	$100K	Yes	All 50 states
theLender Direct and broker	Projection	n/p	n/p	<1.0 OK	85%	75%	$100K	n/p	Not itemized
Truss Financial Group Lender/broker	Not published	620	n/p	n/p	n/p	n/p	$100K	n/p	Not itemized
Uncapco Financial Lender	Either	660	n/p	n/p	80%	75%	$100K	n/p	Not itemized
Visio Lending Direct lender	Either	680	n/p	n/p	85%	n/p	$75K	n/p	Not itemized

n/p = not published on the lender's pages we checked. We leave it blank rather than guess. LTV values are the lender's stated maximums, which usually need top credit. STR programs often have stricter limits.

Lenders by state

Not lending advice. Not a broker. STR Lender Watch is an independent research site. We do not make loans, arrange loans, take applications, or recommend any lender. Figures are summarized from each lender's own public pages on the date shown and can change without notice. Rate figures are estimates, not quotes. Talk to a licensed loan officer and your own advisors before making decisions.