Short-term rental loans, qualified on what the property earns.
Buy or refinance an Airbnb or VRBO property on its short-term rental income, not your tax returns. One of the programs we do most, with the same LLC-friendly closing and the same team as every DSCR loan.
How a short-term rental qualifies.
Tell us the property
The address, the market and whether it is already listed.
Show what it earns
A listing with a booking history shows its own income; a new one is judged on what comparable rentals in its market earn. We tell you which applies.
Income meets the payment
That income is measured against the full monthly payment with taxes, insurance and HOA.
Get your terms
Leverage and rate for the property, its market and your credit.
Close & host
Close in your LLC; the same team answers from application to closing.
A short-term rental or a long-term lease.
| Term | Short-term rentalAirbnb · VRBO | Long-term rentalA 12-month lease |
|---|---|---|
| How the income is shownWhat the loan is qualified on. | Its own booking history, or what comparable rentals in its market earn | The lease, or the market rent on the appraisal |
| A property with no historyNewly bought or newly listed. | Judged on its market; we tell you how it is counted | The appraiser’s market rent |
| SeasonsBusy months and quiet ones. | Read across the whole year, not the best month | The same rent every month |
| Local rulesWhether it may be rented by the night. | Set by the city, county and any HOA, and they change. Check before you buy | Rarely a question |
| Your own staysUsing it yourself. | Not allowed on either: the loan is for a rental business, not a second home | |
Run the numbers both ways in the DSCR calculator: many hosts check that the property would also cover its payment on a long-term lease.
Short-term rental loan questions
Can I use Airbnb income to qualify for a loan?
Yes. A short-term rental is qualified on its rental income, like any DSCR loan, instead of your tax returns.
Can I buy a property I have not listed yet?
Yes. A new listing is judged on what comparable short-term rentals in its market earn; tell us the address and we’ll tell you how it is counted.
Do I need tax returns?
No. The property’s income qualifies the loan; bank statements show reserves.
Can I close in an LLC?
Yes. Most hosts hold their properties in an LLC.
Can I refinance or take cash out of my Airbnb?
Yes — a rate-and-term or cash-out refinance, qualified the same way.
Is a short-term rental loan different from a regular DSCR loan?
It is a DSCR loan; what differs is how the income is shown. A long-term lease is read from the lease, a short-term rental from its bookings or its market.
Is this for a second home I will use myself?
No. Our loans are business-purpose, for non-owner-occupied rental property.
How is Airbnb income counted for a loan?
One of three ways: the listing’s own booking history, what comparable short-term rentals in its market earn, or the long-term market rent on the appraisal. A listing with a history shows its own income. We tell you which applies to your property.
Can I get a DSCR loan for an Airbnb with no rental history?
Yes. A property you are buying, or have just listed, is judged on its market instead of its own bookings.
Does the city have to allow short-term rentals?
Yes. Whether a property may be rented by the night is set by the city, the county and any HOA, and the rules change. Check them before you buy, and have the permit or registration ready where one is required.
What if my city restricts short-term rentals later?
The loan does not change, and the property can be rented on a long-term lease. That is why many hosts check the long-term rent before they buy.
Do you lend to hosts who live outside the United States?
Yes. See DSCR loans for foreign nationals.
Hosting on Airbnb or VRBO? Send us the property.
The address and its bookings, or the market it is in — we’ll send back how it qualifies and the terms.
*For business-purpose loans on non-owner-occupied investment property only. Not available for personal, family or household purposes. All loans subject to credit approval, underwriting and property eligibility. Rates, leverage and terms are indicative, change without notice, and not all borrowers will qualify; not a commitment to lend. YS Capital Group · NMLS ID 2609746 · Equal Housing Lender.