Financing for your Airbnb and VRBO properties
Truehold Financial's DSCR loans for short-term rentals qualify you on the property's rental income, not your personal income paperwork.
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What is a DSCR loan for short-term rentals?
DSCR stands for debt service coverage ratio, a measure of how well a property's rent covers its loan payment. A short-term rental DSCR loan applies that same math to properties you rent on Airbnb, VRBO, or similar platforms. Instead of tax returns or W-2s, qualification typically focuses on the property's short-term rental income. That can make it easier to buy or refinance a vacation rental as your portfolio grows.
How it works
Share your property details
Tell us about the property and its booking history or projected short-term rental income.
Apply and lock your rate
Digital property review and standard credit requirements follow. A loan officer will discuss rate and terms with you.
Close and keep hosting
Close in as few as 10 days for straightforward transactions. Use the funds to buy, refinance, or furnish.
Why finance a short-term rental with DSCR
Short-term income counts
Your Airbnb or VRBO income is what qualifies the property, not your W-2.
Fast funding
Access up to 80% loan-to-value and close in as few as 10 days for straightforward transactions.
Buy or refinance
Finance a new vacation rental or refinance one you already own.
Dedicated team
Experienced lending professionals who understand short-term rental income.
Frequently
asked questions
See all FAQs
Ready to finance your short-term rental?
Talk to an experienced lending professional about whether a DSCR loan fits your short-term rental strategy. Call (866) 505-8850 or request a rate.