Short-term rental (Airbnb) DSCR loans
Not every DSCR lender will underwrite a short-term or vacation rental — many want a signed long-term lease. These lenders explicitly finance Airbnb / VRBO and seasonal-market rentals, qualifying on short-term rental income (often via AirDNA-style projections). Here are the specialists with their estimated rates.
Lenders offering short-term rental (airbnb) dscr loans
Estimated at our benchmark scenario (75% LTV, 740 FICO, 1.25 DSCR, SFR), sorted lowest first.
| Lender | Est. Rate | Base + Spread + Adj. | Est. Monthly P&I | Apply |
|---|---|---|---|---|
| Easy Street CapitalLowestdated | 6.085% | 4.23 + 1.48 + 0.375 | $1,815 | View lender → |
| New Silver | 6.335% | 4.23 + 1.73 + 0.375 | $1,864 | View lender → |
FAQ
- Which lenders offer short-term rental (airbnb) dscr loans?
- Easy Street Capital, New Silver — each offers financing for short-term / vacation rentals (Airbnb, VRBO). On a benchmark profile, estimates start around 6.08%.
- Does short-term rental (airbnb) dscr loans cost more?
- Usually a small rate add-on — it widens who qualifies rather than lowering the floor. The table prices every lender the same way so you can weigh the trade-off, and the figures are estimates, not quotes.
Estimated, not a quote.Each lender’s starting rate is anchored to its own publicly-advertised “as low as” DSCR rate (cited and dated on the lender’s page); per-scenario figures apply a standard industry adjustment model— not any lender’s confidential pricing grid — so the comparison stays apples-to-apples. These are not offers; your actual rate depends on the lender, property, and full profile. PropertyInvestorRates may earn a referral fee on a funded loan. We are not a lender or mortgage broker.