Finance Your Airbnb Property with Rental Income

Use actual or projected short-term rental income to qualify. No W-2s, no tax returns, no employment verification. If the property cash-flows, you qualify.

Apply Now 888-375-7977

NMLS #144773 Airbnb + VRBO Income OK Nationwide Lending Equal Housing Lender

Use Airbnb/VRBO Income

Qualify using your actual booking revenue or a projected STR income report. We accept AirDNA, Rabbu, and platform earnings statements.

No W-2 or Tax Returns

DSCR-based underwriting means we qualify the property, not you personally. Skip the income documentation entirely.

30-Year Fixed Rates

Lock in a long-term fixed rate so your mortgage cost stays predictable even as nightly rates fluctuate with travel seasons.

Accepted Income Sources

Airbnb VRBO Booking.com AirDNA Reports Rabbu Reports

Short-Term Rental Loan Terms

Loan Amount $75K – $3M

Max LTV Up to 80%

Platforms Airbnb, VRBO, Booking.com, direct bookings

DSCR Requirement As low as 0.75x (no-ratio options available)

Loan Terms 30-year fixed available; also 5, 7, 10-year options

Property Types SFR, condos, townhomes, multi-unit (2-4), cabins, unique stays

Credit Score 650+ minimum

Income Docs STR income report or 12-month booking history — no W-2/tax returns

"I bought a beachfront condo with projected Airbnb income from an AirDNA report. No W-2, no tax returns — just the property's earning potential. We closed in under a month and the property was cash-flowing from day one."

— Short-Term Rental Investor, Destin FL

Get Your Airbnb Loan Quote

Tell us about your short-term rental property and we'll send you a rate quote — no credit pull, no obligation.

Apply Now Call 888-375-7977