Short-Term Rental Financing

Airbnb DSCR Loans — Up to 80% LTV

Finance Airbnb, VRBO, and short-term rental properties with Total Quality Lending. We underwrite on the property’s STR cash flow — your nightly bookings power the next acquisition, not your tax returns.

Get my Airbnb DSCR quote(800) 304-1925

How an Airbnb DSCR loan actually works

  1. Step 1

    We pull 12 months of STR income

    From AirDNA, Rabbu, or your operator dashboard (Hostaway, Guesty, Hospitable). If the property doesn't have a track record, we use AirDNA market projections.

  2. Step 2

    Calculate DSCR on nightly cash flow

    Gross rental income minus operating expenses, divided by monthly debt service. A DSCR of 1.00+ qualifies. Most performing STRs land at 1.15–1.40.

  3. Step 3

    Underwrite the property, not your paystubs

    No personal tax returns, no W-2s, no employment verification. We're financing a rental, so we underwrite the rental.

  4. Step 4

    Close in 15 days

    In-house underwriting and direct funding. Lock the property before another investor with slower financing beats you to it.

Eligible STR platforms

We accept booking history from any major short-term rental platform.

  • Airbnb
  • VRBO
  • Vacasa
  • FlipKey
  • Booking.com
  • Hopper
  • Direct booking (own website)
  • Marriott Homes & Villas

Airbnb DSCR loans — common questions

Does Total Quality Lending finance Airbnb properties?

Yes. Airbnb and VRBO short-term rentals are eligible for DSCR financing up to 80% LTV on purchase. We underwrite on a 12-month STR average — if the property doesn't have history, AirDNA market projections are accepted.

What is an Airbnb DSCR loan?

An Airbnb DSCR loan is a non-QM mortgage where the qualifying income is your short-term rental cash flow rather than your personal income. The Debt-Service Coverage Ratio (DSCR) compares the property's STR revenue to its monthly mortgage payment. If the ratio is 1.00 or higher, you qualify.

Can I get an Airbnb loan without rental history?

Yes. For new Airbnb purchases, we use AirDNA or Rabbu market projections to underwrite the rental income. You don't need to have hosted before. First-time short-term rental investors are eligible.

What credit score do I need for an Airbnb DSCR loan?

Minimum credit score is 640. Higher scores (720+) unlock lower rates and higher LTVs. Foreign nationals and H1B visa holders can qualify on international credit or No Credit Score paths.

Can I buy an Airbnb in an LLC with a DSCR loan?

Yes — most of our STR borrowers vest in an LLC for liability protection and tax structure. We finance individual borrowers, single-member LLCs, multi-member LLCs, and layered entities. Keeps the loan off your personal credit.

What about cities that restrict short-term rentals?

We finance Airbnbs in markets where STRs are legal. If the city has a permit or licensing requirement (e.g., New Orleans, Honolulu, Joshua Tree), the property must be permitted before closing. We can help you check.

Finance your next Airbnb investment

Quote in minutes. Close in 15 days. Loans in 46 states.

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