Investor financing
DSCR Loans for Airbnb & Short-Term Rentals (No Income Required)
Flexible DSCR Loans for Airbnb & Short-Term Rental Investors
Finance your next investment property using rental income — not personal income.
- No personal income verification required
- Up to 90% LTV for purchases
- Short-term rental income eligible
- Purchase, rate/term, and cash-out options
- LLC ownership allowed
- No ratio options available (no income calculation required)
We work with multiple DSCR lenders to match your deal to the right program.
What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan allows real estate investors to qualify based on the income of the property instead of personal income.
Instead of using W2s or tax returns, lenders look at whether the property generates enough cash flow to cover the mortgage.
This makes DSCR loans one of the most effective ways to scale a short-term rental portfolio.
For more on how DSCR is calculated, see this explanation from Fannie Mae.
DSCR Loans for Airbnb & Short-Term Rentals
Short-term rental properties can qualify using projected or market-based rental income, depending on the lender and program.
Key considerations:
- Income may be based on market rent or short-term rental analysis
- Property performance matters more than personal income
- Designed specifically for real estate investors
If you're buying or refinancing an Airbnb property, DSCR financing is often the most flexible option available.
We help investors with rental and DSCR scenarios in multiple states — explore Virginia, North Carolina, Maryland, South Carolina, Georgia, Pennsylvania, and West Virginia investor loan pages for local programs and markets.
For a deeper dive, see our guide on DSCR loans for short-term rentals, or how DSCR works on 2–4 unit investment properties. Explore all programs on our loan options page.
Ready to structure your DSCR deal?
Every lender treats short-term rentals differently. The fastest way to get clarity is a quick call.
Loan Options
- Purchase financing
- Rate and term refinance
- Cash-out refinance
- No ratio DSCR options available
- Interest-only options available
- 30-year fixed options available
Example DSCR Scenario
Purchase Price: $400,000
Loan: $320,000 (80% LTV)
Estimated Monthly Rent: $3,200
No personal income used to qualify
This is how investors scale without traditional income limits.
Eligible Property Types
- Single-family homes
- Condos and townhomes
- 2–4 unit properties
- Short-term rental properties (Airbnb/VRBO)
- Vacation and rural properties
Manufactured homes must be on a permanent foundation.
Work With an Investor-Focused Mortgage Broker
You're not walking into a retail bank.
You're working with a broker who:
- Understands DSCR and investor financing
- Has access to multiple wholesale lenders
- Can structure deals creatively based on your scenario
- Focuses on speed and execution
Work directly with Harry Hager at Rockhouse Mortgage.
Who This Loan Is Not For
- Primary residence buyers using traditional income
- Borrowers looking for the lowest possible rate
- First-time buyers without investment experience
Common Questions About DSCR Loans
Can I use Airbnb income to qualify?
Yes, depending on the lender, short-term rental income or market-based projections may be used.
Do I need tax returns?
No. DSCR loans are based on property income, not personal income.
Can I close in an LLC?
Yes, many DSCR programs allow LLC ownership.
What if the property does not cash flow?
No ratio options may still be available depending on the scenario.
Get Prequalified for a DSCR Loan
Whether you're purchasing your next short-term rental or refinancing an existing property, most DSCR deals can be prequalified in one quick call.