Community/Short-term rental income for DSCR — which lenders accept Airbnb/VRBO income?
R
Roxanne Byrdbroker
Feb 14, 2026 at 8:00 AM
Short-term rental income for DSCR — which lenders accept Airbnb/VRBO income?
I have several borrowers with STR (short-term rental) properties who want DSCR loans. The challenge is that most lenders want to use long-term market rent for DSCR calculation, which kills the deal because STR income is 2-3x higher. Are there lenders who will use actual STR income (AirDNA data, historical statements) for DSCR calculation?
3 replies
427 views
3 months ago
Sign in to join the conversation and post a reply.
4 Replies
C
Cynthia ReeveslenderFeb 14, 2026 at 10:00 AM
Roxanne, yes — we (Reeves Capital) use AirDNA data for STR DSCR calculations. Requirements:
- 12 months of actual rental history (Airbnb/VRBO statements)
- AirDNA market data supporting the income
- Property must be in a market where STR is legal and permitted
- We apply a 25% vacancy factor to the projected income
The STR DSCR market is growing. More lenders are coming around to it. DM me for our current guidelines.
P
Priya NairbrokerFeb 14, 2026 at 12:00 PM
This is a growing niche. The key issue is the income volatility — STR income can drop 50% in a bad season. Lenders who do it well apply conservative vacancy factors and require reserves. The ones who don't are taking on more risk than they realize.
R
Reggie OwensbrokerFeb 14, 2026 at 1:00 PM
cynthia dm me too!! i have 3 STR borrowers who need this
R
Roxanne ByrdbrokerFeb 14, 2026 at 2:00 PM
Cynthia — DMing you now. Priya — the volatility point is well taken. I always make sure STR borrowers have 6+ months reserves for exactly that reason.