Your Airbnb revenue is qualifying income
Nightly and mid-term rental revenue counts on a DSCR refinance. Pull cash out of a performing short-term rental, or move it off an expensive loan — without a single tax return.
- Trailing 12-month platform revenue accepted
- Market revenue reports considered on newer conversions
- Cash-out or rate-and-term
- Mid-term and furnished rentals eligible
- Close in your LLC
- No personal income documentation
Rates from: [RATES FROM X.XX%] · Business-purpose loans for investment properties only. Not for owner-occupied properties. Not a commitment to lend.
Documentation that makes the file easy
- 12 months of Airbnb / VRBO / Booking.com earnings statements
- A property-level P&L if you run multiple listings under one account
- Current city or county short-term rental permit
- Cleaning, management and platform fee figures
- Taxes, insurance (get an STR-specific quote) and HOA
The DSCR math on a short-term rental
Take gross trailing revenue, divide by 12, and compare it to the new PITIA. A cabin grossing $96,000 a year averages $8,000 a month — that carries a PITIA in the $5,000s at a DSCR around 1.55, which is exactly the tier where leverage and pricing are best. Programs differ on whether they haircut for expenses, so we'll show you the calculation the specific program uses.
Honest constraints
Regulation is the real risk in this asset class. Markets that restrict permits get underwritten conservatively, and condotel or resort-managed units often price and lever differently from a standalone home. Insurance also runs higher on short-term use — budget for that before assuming your DSCR.
Investment property refinances only. Not available for owner-occupied properties, including a home you rent out part-time while living there.
Run your numbers
Estimate your proceeds at 75% LTV, then check coverage in the full DSCR calculator.
Most DSCR cash-out programs top out around 75%.
- New loan at 75% LTV
- $337,500
- Less current balance
- − $210,000
- Less est. closing costs (3%)
- − $10,125
- Current LTV
- 46.7%
Estimate only, based on the numbers you entered. Actual proceeds depend on appraised value, DSCR, credit, and program guidelines. Not a commitment to lend.
Investor FAQ
Find out what your equity can do
Answer 12 quick questions about the property. About 60 seconds. No credit pull, no personal income docs.
Business-purpose loans for investment properties only. Not for owner-occupied properties. Not a commitment to lend.