DSCR Mortgage for Airbnb and VRBO Hosts — No Personal Income Required
Get Pre-QualifiedYou don't need to show a W-2 or personal tax return to finance an Airbnb property. DSCR loans for short-term rentals qualify based on the property's projected rental income. We use comparable STR market data to project your income even for a new listing.
Airbnb Income Estimator
Projected gross monthly STR income: $0
Projected annual income: $0
Monthly PITIA (estimated): $0
DSCR ratio: 0.00
Long-term rental typically 60–75% of STR gross. Comparison: $0
STR DSCR FAQs
Do I need to show personal income for STR DSCR?
Many DSCR programs qualify the property from rental income — not your personal W-2 or tax returns.
How is STR income projected for a new listing?
We use comparable short-term rental market data and occupancy assumptions to support projected income, subject to underwriting.
What DSCR do lenders want?
Many investors target 1.0+ minimum; 1.25+ is often considered stronger. Requirements vary by lender.