DSCR Loans

DSCR Loans for Short-Term Rentals and Airbnb Properties

A laptop on a desk displays an apartment rental website with a search bar and a photo of a modern bedroom, hinting at investment opportunities like those supported by a DSCR loan. A plant, pens, and a cup of coffee are also on the desk.

DSCR (Debt Service Coverage Ratio) loans are specialized, non-QM mortgages for short-term rentals (STRs) like Airbnb/VRBO, qualifying borrowers based on property income rather than personal income. Traditional lenders rely on W-2s, tax returns, and pay stubs to approve a mortgage. That works for salaried homebuyers, but real estate investors often

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