Airbnb LOANS

Everything You Should Know About DSCR Loans for Short-Term Rental Properties: Rates, Terms, and Timelines

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Why Choose Investors Mortgage Group For Your

Airbnb LOANS

Quick Funding

Get fast, reliable financing to seize opportunities with unmatched speed.

Maximum Leverage

Maximize your real estate portfolio effortlessly with higher leverage.

Unmatched Flexibility

Enjoy tailored loans that flexibly adapt to your needs and goals.

What Are Airbnb Loans?

Loans for short-term rental properties such as Airbnb, VRBO, and similar platforms are structured as Debt Service Coverage Ratio (DSCR) loans. These are 30-year loan programs that are approved based on the cash flow generated by the rental property rather than personal income.For short-term rentals, cash flow is calculated using the average monthly rental income earned through platforms like Airbnb or VRBO, minus operating expenses such as property taxes, insurance, HOA dues, and cleaning or maintenance costs.Investors Mortgage Group provides flexible financing solutions for the purchase, refinance, or cash-out of short-term rental properties. These loan programs are designed to offer investors competitive leverage options and improved monthly cash flow, even in high-demand rental markets.

Reasons to Choose Investors Mortgage Group for Your Airbnb Hard Money Loan

Over 200

Funded Deals

$80M+

Loan Volume

100+

5 Star Reviews

10-14 Days

Avg. Closing Time

In 35 States

Across the U.S.

Understanding The AirDNA Projected Cashflow

This analysis uses short-term rental market data from major booking platforms across the U.S. to estimate key performance metrics such as occupancy rates, average daily rent, and operating expenses. While many lenders still underwrite short-term rental properties based on long-term market rents, this approach accounts for the higher income potential of short-term rentals. By using projected cash flow instead of traditional rent assumptions, investors can qualify for higher leverage and stronger DSCR ratios for both purchase and cash-out refinance transactions.

Frequently Asked Questions

Why should I choose Airbnb financing instead of traditional bank financing?

A DSCR loan for Airbnb properties allows you to access funding quickly so you can invest in profitable short-term rental opportunities. At Investors Mortgage Group, we simplify the lending process by eliminating unnecessary obstacles—there’s no personal income verification, minimal paperwork, and no prior investor experience required. Our streamlined approach makes financing straightforward, fast, and stress-free, helping you focus on growing your investment portfolio with confidence.

What determines if my property qualifies for short-term rental financing?

The primary factor is your property’s income-generating potential. We evaluate this by conducting a professional appraisal and analyzing local short-term rental market data from AirDNA to project expected cash flow.

Can my Airbnb income be used to qualify for the loan?

Yes. The actual or projected income generated from your Airbnb or VRBO property is used to qualify for a short-term rental loan. DSCR loans for Airbnb properties do not require personal income verification, making them an ideal financing option for real estate investors.

Do you finance Airbnb arbitrage projects?

At Investors Mortgage Group, we focus on financing properties that are owned by the investor. We do not provide financing for rental arbitrage projects, where a property is leased and then sublet as a short-term rental.

What can I do to improve my chances of getting approved for an Airbnb loan?

Maintaining a strong credit profile is key. While the minimum required credit score is 700, a higher score can help you qualify for better interest rates and increase your chances of approval. Additionally, making a larger down payment can further strengthen your application and improve overall loan terms.