Yes — you can finance STRs without showing personal income.

Short-term rentals (STRs) like Airbnb and VRBO have changed the game for real estate investors. But when it comes to financing these properties, most lenders still expect W-2s, tax returns, and personal income verification.

That’s where DSCR loans step in.

👉 DSCR loans let you qualify based on the property’s projected income — not your job, taxes, or bank statements.

And yes, they can be used for short-term rentals.

Let’s break down how it works and how to position your next STR for DSCR loan approval.

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✅ Can You Use a DSCR Loan for a Short-Term Rental?

Yes — many lenders now allow Airbnb and short-term rental income to be used when qualifying for a DSCR loan.

Unlike traditional mortgages, these loans are based on:

• Property-level income
• Market rent or STR projections
• Your down payment, credit, and reserves

📘 You don’t need to show personal income, W-2s, or tax returns.

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🧠 How Does It Work?

Lenders use one of three methods to calculate your property’s Debt Service Coverage Ratio (DSCR):

Option 1: Market Rent (Appraiser Estimate)

The appraiser estimates what the property would earn on a long-term rental basis.

• Most common
• Lower-risk for lenders
• Can be used even if property is not yet operating as an Airbnb

Option 2: STR Income From AirDNA or Similar Tools

Some lenders accept AirDNA projections or actual Airbnb performance data if you already operate the property.

• Requires strong historical or market data
• May result in higher DSCR ratio
• May need additional underwriting

Option 3: Lease or Booking History

If you’ve owned the property and rented it out short-term, you may be able to use:

• Airbnb host reports
• 12-month P&L statement
• Booking platform summaries

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💳 What You’ll Need to Qualify

• Credit score: 620+ (680+ preferred)
• Down payment: 20–25%
• DSCR ratio: Ideally 1.00+ (may allow down to 0.75)
• Property type: SFR, duplex, triplex, fourplex
• STR data: Appraisal + rental history or projection (depending on lender)

💡 We help you gather exactly what’s needed — and present your deal the right way.

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🧾 What Makes STR DSCR Loans Different?

• ✅ No income docs required
• ✅ Works for new or existing Airbnb hosts
• ✅ Available for second homes or investment properties
• ✅ Can close in as little as 2–3 weeks
• ✅ Some lenders offer interest-only or ARM options for max cash flow

You can finance your next Airbnb based on what the property earns — not what you earn.

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🏢 Why PRMI?

At PRMI, we specialize in DSCR lending — including short-term rental properties.

• We work with lenders that understand Airbnb cash flow
• We process and underwrite in-house
• We help first-time or multi-property investors optimize their DSCR

Whether you’re buying your first STR or your tenth, we make it simple, scalable, and strategic.

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👇 Want to See If Your Airbnb Property Qualifies for a DSCR Loan?

Let’s review the rent data, run the DSCR, and show you how much you can borrow — with no tax returns required.