Short-Term Rental Financing
Finance Your Airbnb & VRBO Properties
Our STR Signal tool translates your short-term rental income into a DSCR that lenders accept. Platform statements, not tax returns.
STR Financing, Simplified
Most lenders use 75% of your trailing-12-month STR income for DSCR calculation. We work with lenders that understand seasonal variation and accept platform statements directly.
Example Scenario
Strong deal. Multiple lender options.
We Finance Every Type of STR
Whether it's a beachfront vacation home or a downtown apartment, we structure the loan around your STR income.
Vacation Homes
Beach houses, mountain cabins, lake properties — high-season income qualifies year-round.
Urban Apartments
City apartments in NYC, Miami, LA, Dallas — consistent demand from business and leisure travelers.
Luxury Properties
High-end homes with pools, views, and amenities that command premium nightly rates.
Top STR Markets We Finance
Active in every major market. We understand local regulations, seasonality, and demand drivers.
Miami
Year-round demand, beach proximity, strong ADR
New York
Business travel, tourism, high occupancy
Dallas
Growing market, event-driven demand, low entry
Los Angeles
Entertainment, tourism, premium nightly rates
Nashville
Music city tourism, bachelor/ette parties
Austin
Tech hub, SXSW, year-round events
What You'll Need
STR documentation is simpler than you think. Here's what most lenders require:
Platform Statements
Trailing 12 months from Airbnb, VRBO, or your booking platform
AirDNA Report
Market data showing comparable properties and revenue potential
Property Photos
Current listing photos showing the property and amenities
Operating Expenses
Cleaning, management, supplies, insurance — we help you calculate
Entity Docs
LLC operating agreement and EIN (we can close in your entity)
The STR Premium
Short-Term vs Long-Term: The Numbers
Same property. Same market. Dramatically different income.
Long-Term Rental
$2,200/mo
Short-Term Rental
$3,375/mo avg
How Occupancy Changes Your DSCR
10% occupancy difference can mean qualifying or not.
Conservative
65%
occupancy
$2,925/mo
0.95 DSCR
Needs Restructuring
Moderate
75%
occupancy
$3,375/mo
1.25 DSCR
Sweet Spot
Aggressive
85%
occupancy
$3,825/mo
1.55 DSCR
Strong
STR DSCR Calculation — Step by Step
Four numbers. That's all the lender needs.
Annual STR Revenue
$40,500
75% occupancy x $150/night x 365
Monthly Income
$3,375
$40,500 / 12 months
Monthly PITI
$2,700
P&I + taxes + insurance
DSCR Ratio
1.25
$3,375 / $2,700 = qualifies!
Run Your STR Through STR Signal
Enter your STR income and property details. We'll normalize and score it.