Best DSCR Loan Lenders for Short-Term Rental and Airbnb Properties (2026)

The research in brief

Visio Lending is the consensus leader for DSCR loans on short-term rental and Airbnb properties, named by 6 of 7 platforms (85.7% share) with an average listed position of 4.33 and a best position of 1. Easy Street Capital is the strongest alternative for borrowers who need projected AirDNA revenue accepted at 100% or who have credit scores in the 640–680 range, and Griffin Funding leads on leverage for high-FICO borrowers. The study covered 7 AI platforms — ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, and Gemini — and identified 30 unique entities, of which 9 qualified by being named by at least two platforms. The principal limitation is that this is a single standardized prompt sent once to each platform, and most supporting citations are company-owned rather than independent, so platform recommendations are market intelligence rather than verified fact.

Research Snapshot

• Topic: DSCR loan for short-term rental Airbnb property
• Target buyer: An investor purchasing a property specifically to operate as a short-term or vacation rental on platforms like Airbnb or VRBO rather than lease to long-term tenants
• Geography: United States
• Platforms included: ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, Gemini (7 platforms)
• Research date: 2026-09-30
• Unique entities named across platforms: 30
• Qualifying entities: 9
• Eligibility rule: Named by at least two platforms during ranking discovery
• Ranking unit: Non-QM or investment property lender
• Research prompt: A single standardized prompt describing an investor buying a vacation-style property for Airbnb or VRBO use who needs a lender that will qualify the loan using short-term rental income projections such as market data reports rather than a traditional lease, and that understands HOA or municipal short-term rental restrictions.

Platform mentions count only ranking-discovery mentions. All 7 platforms completed fit assessments, but not every platform named every entity during ranking discovery, so mention counts and fit-assessment counts differ.

The Consensus Ranking

Questions explored

• What are the best DSCR loan lenders for a short-term rental Airbnb property in 2026?
• Which DSCR lenders for Airbnb properties were named by the most AI platforms?
• Which DSCR lender for short-term rental properties ranks first across platforms?

Which lender fits your situation?

Questions explored

• Which DSCR lender should a first-time Airbnb investor choose if they have no short-term rental operating history?
• Which DSCR lender for a short-term rental property is best if the borrower has a credit score between 640 and 680?
• Which DSCR lender offers the highest leverage on an Airbnb property purchase?

1. Visio Lending

Questions explored

• Is Visio Lending worth it for a DSCR loan on an Airbnb property, and what are its main drawbacks?
• Does Visio Lending accept AirDNA projections for a short-term rental DSCR loan?
• What prepayment penalty does Visio Lending charge on a short-term rental DSCR loan?

Visio Lending is the consensus leader for this use case, named by 6 of 7 platforms. It markets a dedicated vacation-rental DSCR program that explicitly covers Airbnb, VRBO, and independently managed rentals, and it qualifies borrowers on property cash flow rather than personal income ^[83]. Platform-reported evidence describes it as the original STR-DSCR specialist with a long-running AirDNA partnership and an underwriting team that understands seasonality, regulatory risk, and platform-revenue documentation ^[270].

Why it ranked here. Visio had the highest platform mention count in the study (6 of 7) and the widest spread of supporting evidence across platforms. It was ranked first by DeepSeek and Grok, fourth by Gemini, sixth by Claude, and seventh by Kimi and Perplexity. That spread — first place on two platforms and last place on two others — is the single most important pattern in this index and is discussed in the disagreement section below.

Best suited for. Investors seeking a 30-year fixed DSCR loan for a rent-ready Airbnb or VRBO property; self-employed investors or portfolio investors who prefer property-level underwriting and do not want personal income, tax-return, or DTI-based qualification; borrowers comfortable providing six months of mortgage-payment reserves and meeting stated credit, property-value, condition, and occupancy requirements.

Main strengths for the use case. Visio publicly states that STR underwriting may use historical short-term-rental income or market-based projections ^[93]. It advertises 30-year fixed terms with no balloon payments and purchase and refinance loans up to 80% LTV ^[92]. Published baseline requirements include a minimum 680 credit score, generally 20–25% down, a non-owner-occupied 1–4 unit property, a minimum $150,000 property value, and a minimum $75,000 loan amount ^[86]. Entity borrowing through an LLC or corporation is permitted, and is required in Georgia, Hawaii, Illinois, Massachusetts, New Jersey, New York, Pennsylvania, and Virginia ^[86]. Platform-reported third-party evidence cites rates of roughly 6.75%–9.5% and origination fees of 0.5–1.5 points, described as lower than a peer average of 1.5–2.5 points ^[267].

Main limitations. Visio does not publish a current rate sheet or complete fee schedule, so rate competitiveness cannot be independently established from public materials ^[93]. The exact treatment of AirDNA projections, historical STR revenue, seasonality, expenses, and DSCR calculation is not publicly specified ^[93]. Six months of mortgage-payment reserves increase required liquidity ^[86]. Properties must be rent-ready and in C4 condition or better, which excludes properties needing major renovation ^[93].

2. Easy Street Capital

Questions explored

• Is Easy Street Capital or Visio Lending better for an Airbnb DSCR loan when the borrower has no short-term rental operating history?
• Does Easy Street Capital really use 100% of AirDNA projected revenue, and who qualifies?
• What are Easy Street Capital's rates and fees for a short-term rental DSCR loan?

Easy Street Capital ranked second overall and first on average listed position (1.40), meaning that when platforms named it, they usually named it near the top. It was ranked first by ChatGPT, Claude, and Perplexity, and second by Gemini and Kimi. Its EasyRent program expressly permits short-term rentals, can use projected STR income and AirDNA data, does not require prior STR operating history, and advertises up to 80% LTV for acquisitions ^[21].

Why it ranked here. Easy Street had the best average listed position of any qualifying entity and the second-highest mention count. It was the only entity besides Visio to receive a first-place ranking from multiple platforms. Its distinguishing claim — using 100% of projected AirDNA revenue for qualifying "Professional STR Investors" — is the most specific AirDNA methodology statement in the entire evidence set ^[23].

Best suited for. Acquisition of a 1–10 unit residential property intended for Airbnb or VRBO use; borrowers needing projected STR revenue rather than established rental history; investors seeking a conventional-style 30-year fixed DSCR structure with optional partial interest-only payments and up to 80% acquisition LTV; first-time STR investors or borrowers qualifying primarily from property cash flow.

Main strengths for the use case. Easy Street states that it uses AirDNA Rentalizer data for projected revenue, occupancy, and average daily rate, and that STRs can qualify with AirDNA projections ^[21]. It advertises no minimum DSCR for its rental loans ^[20]. It advertises a 640 minimum qualifying credit score with no debt-to-income requirement, no tax returns, and no personal income verification ^[21]. Advertised structures include a 30-year fixed-rate loan and a partial interest-only option for the first 10 years ^[21]. Platform-reported evidence describes closing in 14–21 days as typical, with 24-hour closing possible with in-house underwriting ^[197]. It also advertises condo and condotel lending, including non-warrantable condos ^[25].

Main limitations. Platform-reported evidence states that Easy Street's 2026 DSCR rates run roughly 7.49%–9.00%, described as above market on standard files, and that rates are 0.75–2.00% higher than premium lenders ^[191]. Closing fees are described as running 0–3% with a $1,000 underwriting fee and a $1,500 pass-through deposit, and points at 2–3 are described as among the highest in the DSCR space ^[230]. The 5/4/3/2/1 prepayment schedule is described as longer and steeper than most competitors ^[201].

3. Griffin Funding

Questions explored

• Is Griffin Funding worth it for an Airbnb DSCR loan if the borrower needs 85% LTV?
• Does Griffin Funding accept AirDNA projections for a property with no rental history?
• What down payment does Griffin Funding require for a first-time short-term rental investor?

Griffin Funding ranked third, named by 4 of 7 platforms, with an average listed position of 3.00 and a best position of 1 (from Kimi). It was rated a strong fit by Claude, Gemini, Grok, and Kimi, and a good fit by ChatGPT and Perplexity. Deepseek rated it uncertain, stating that public evidence of a dedicated STR DSCR program was thin at the time of its research ^[29].

Why it ranked here. Griffin's distinguishing feature in the evidence is leverage. It advertises up to 85% LTV (15% down) for borrowers with 740+ credit on loan amounts up to $1 million, described as the highest in the DSCR market ^[49]. It also advertises no minimum DSCR with a no-ratio option, and states that below-1.0 files may be considered when supported by reserves or other compensating factors ^[49].

Best suited for. Investors buying or refinancing eligible 1–4 unit short-term rentals; borrowers who prefer qualification based primarily on property income rather than tax returns, W-2s, or personal DTI; borrowers needing a no-ratio or below-1.0 DSCR option subject to reserves and compensating factors; borrowers seeking LLC vesting, larger loan amounts, or a direct lender with broad state coverage.

Main strengths for the use case. Griffin states that STR income may be supported by an appraisal-based short-term-rental income analysis, documented rental history, platform or property-manager statements, bank deposits, or AirDNA-style market data, depending on the program ^[32]. Publicly stated program-level terms include down payments as low as 15%, loan amounts from $100,000 to $4.5 million, and up to 75% LTV for borrowers with 700-plus FICO ^[49]. Platform-reported evidence states Griffin requires a minimum DSCR of 0.75 for STR properties and offers no-ratio DSCR options at up to 75% LTV for borrowers with 700+ FICO ^[262]. It is described as licensed in 47 states plus Washington, D.C., regulated by the CFPB, and HUD-approved ^[49]. Platform-reported evidence also cites an average funded LTV of 67% as of June 2026, indicating the advertised 85% maximum is an outlier for strong-credit borrowers rather than a typical scenario ^[262].

Main limitations. Platform-reported evidence states Griffin requires a 30% minimum down payment for borrowers with less than one year of STR operating experience and 25% for those with one or more years, which is higher than the general 15–25% range for standard DSCR ^[32]. The STR credit minimum is stated as 640 versus 620 for standard DSCR ^[262]. Loan-level price adjustments accumulate for lower credit, higher LTV, or sub-1.0 DSCR ^[49].

4. Kiavi

Questions explored

• Is Kiavi or Easy Street Capital better for an Airbnb DSCR loan when the property has no operating history?
• What is Kiavi's minimum DSCR for a short-term rental property, and why do sources disagree?
• Does Kiavi apply a haircut to AirDNA projected revenue for Airbnb properties?

Kiavi ranked fourth, named by 4 of 7 platforms, with an average listed position of 5.25 and a best position of 2 (from DeepSeek). It is the most contested entity in the index: Claude, DeepSeek, and Gemini rated it a good fit, while Grok, Kimi, ChatGPT, and Perplexity rated it mixed. The core issue is whether Kiavi's public materials actually document STR-specific underwriting.

Why it ranked here. Kiavi is a high-volume national DSCR lender with a technology-driven process, and it was named by four platforms. But its public DSCR pages emphasize long-term rental cash flow rather than a dedicated STR product, and the evidence contains a material internal contradiction on its DSCR threshold.

Best suited for. Investors seeking a conventional long-term DSCR rental loan for a non-owner-occupied SFR, PUD, condo, or 2-4 unit property; borrowers who value online prequalification, limited personal-income documentation, and fixed-rate or ARM options; established STR operators who can verify operating history and obtain written confirmation that Kiavi will use the property's STR revenue.

Main strengths for the use case. Kiavi states that qualification is based primarily on property cash flow rather than W-2 income ^[107]. It advertises up to 80% LTV for DSCR rental loans and rates as low as 6.125%, with 30-year fixed, 5/1 ARM, 7/1 ARM, and interest-only options ^[107]. It advertises no tax returns, W-2s, or hard credit pull for the stated rental-loan qualification process ^[107]. Platform-reported evidence states Kiavi uses 110% of appraised market rent in its DSCR calculation, which may support higher leverage than competitors using 100% of market rent ^[113]. Platform-reported evidence also cites origination points starting at 0.5, described as lower than many competitors starting at 1.0–1.5 ^[198], and closing in 20–25 days ^[198].

Main limitations. Kiavi's public rental-loan pages do not specify whether projected Airbnb or VRBO revenue is accepted for every loan scenario, how much revenue is discounted, or whether a minimum STR operating history is required ^[107]. No Kiavi-owned public source reviewed confirms that AirDNA, Rentalizer, or another named STR projection provider is accepted, nor does it publish an AirDNA haircut ^[107]. The public DSCR threshold is inconsistent: one page states as low as 0.8x, while a separate process page states DSCR must be at least 1.1x to prequalify ^[104]. Platform-reported evidence states Kiavi requires a minimum 1.1x DSCR, described as the highest among major DSCR lenders ^[228]. The reviewed sources do not disclose a public policy for HOA prohibitions, city or county STR bans, permits, lodging taxes, minimum-stay rules, or licensing requirements ^[107].

5. Total Quality Lending

Questions explored

• Is Total Quality Lending worth it for a first-time Airbnb investor using AirDNA projections?
• Does Total Quality Lending offer 80% or 85% LTV on a short-term rental purchase?
• What expense factor does Total Quality Lending apply to AirDNA projected revenue?

Total Quality Lending ranked fifth, named by 3 of 7 platforms, with an average listed position of 3.33 and a best position of 1 (from Gemini). It was rated a strong fit by Claude, Gemini, and Grok, a good fit by ChatGPT and Perplexity, and uncertain by DeepSeek and Kimi. The split is almost entirely about documentation depth: platforms that found the company's published STR guidelines rated it highly, while platforms that could not find them rated it uncertain.

Why it ranked here. Total Quality Lending publishes one of the most specific AirDNA methodologies in the evidence set. Its Airbnb page specifies an AirDNA Rentalizer projection dated within 90 days as acceptable purchase documentation, with gross rents calculated as the revenue projection multiplied by 0.80, a maximum occupancy of two individuals per bedroom, a minimum of three comparable properties, and a Market Score or Sub-Market Score of 60 or higher ^[165].

Best suited for. Purchases of legal Airbnb or VRBO properties where AirDNA or similar STR projections are available; investors who prefer property-cash-flow qualification rather than personal tax returns, W-2s, or employment verification; first-time STR investors, subject to underwriting restrictions; borrowers using an LLC or other eligible investment entity.

Main strengths for the use case. The company markets a dedicated Airbnb DSCR / short-term-rental financing product for Airbnb, VRBO, and other STR properties ^[166]. It states that it can use a 12-month STR rental-history statement, 12 months of bank statements showing STR deposits, an appraiser's STR analysis, or comparable platform/operator data ^[165]. The published Airbnb methodology applies a mandatory 20% expense factor and calculates STR DSCR as monthly gross rents multiplied by 0.80, divided by PITIA, with a stated 1.00 or higher DSCR qualifying ^[166]. The Airbnb page states a 640 minimum credit score, and the company states that first-time investors and LLC/entity borrowers may be eligible, subject to restrictions ^[166]. Platform-reported evidence cites a 4.9/5 rating across 500+ verified Google reviews ^[161].

Main limitations. The standard published STR DSCR offer appears capped at 80% LTV for purchases, not 85%, while other company materials mention up to 85% LTV for certain Investor Hybrid short-term-rental programs, creating uncertainty about which product, borrower profile, and property conditions qualify ^[166]. The 20% expense factor may reduce qualifying income relative to gross AirDNA revenue ^[166]. Municipal legality and permits are addressed, but HOA restrictions are not clearly explained ^[166]. The company does not publish a representative APR, rate sheet, points, or borrower-specific pricing on the reviewed consumer pages ^[166].

6. Ridge Street Capital

Questions explored

• Is Ridge Street Capital worth it for an Airbnb DSCR loan on a property with no rental history?
• What credit score does Ridge Street Capital require for its short-term rental DSCR program?
• How does Ridge Street Capital apply AirDNA projections in underwriting?

Ridge Street Capital ranked sixth, named by 3 of 7 platforms, with an average listed position of 3.67 and a best position of 3 (from Claude and Gemini). It was rated a strong fit by Claude, Gemini, and Grok, a good fit by ChatGPT and Perplexity, and uncertain by DeepSeek and Kimi.

Why it ranked here. Ridge Street publishes a dedicated Airbnb DSCR program that accepts AirDNA-based projections for properties with no established rental history, and it advertises up to 80% LTV for purchases and rate-and-term refinances ^[136]. Its published methodology states that AirDNA data is filtered using comparable properties, including bedroom count, unit type, property tier, and local market factors ^[141].

Best suited for. Purchase of a 1-4 unit Airbnb or VRBO property with no established rental history; investors who need AirDNA-based projected revenue rather than long-term lease assumptions; borrowers seeking up to 80% purchase LTV and a 30-year fixed-rate structure; first-time investors who can satisfy the stated mortgage-history or existing-rental-property requirement.

Main strengths for the use case. Ridge Street states that Airbnb loans may qualify using projected or actual rental income and that no rental history is required if the property is listed on Airbnb or VRBO ^[136]. Platform-reported evidence states the lender applies 80% of AirDNA-projected figures filtered for comparable properties ^[141]. It advertises up to 80% LTV for purchases and rate-and-term refinances and up to 75% LTV for cash-out refinances ^[136]. Platform-reported evidence cites 0% origination fees with a fixed $1,995 legal and underwriting fee, described as distinguishing it from competitors charging 1–2% ^[143]. Platform-reported evidence also cites term sheets within 2 business hours and closings in 10–21 days ^[139].

Main limitations. Ridge Street publishes a minimum DSCR greater than 1.0 and a 700+ credit-score requirement for its short-term-rental/Airbnb program, which is stricter than the broader DSCR page's 660 minimum ^[136]. It also states that borrowers need one personal mortgage or one other rental property ^[136]. The reviewed pages do not provide a complete state-by-state list, and the website references both 35 and 36 states in different materials ^[136]. The reviewed material does not specify the required permits, acceptable HOA evidence, treatment of pending ordinances, or whether licensing must be obtained before closing ^[136]. Published minimum loan amounts conflict across company pages: the Airbnb page states $125,000, while the broader DSCR page states $55,000 and separately references a $50,000 minimum ^[136]. Platform-reported evidence states Ridge Street does not finance rental arbitrage ^[136]. .

7. LendSure Mortgage Corp

Questions explored

• Is LendSure Mortgage Corp worth it for an Airbnb DSCR loan if the borrower needs an interest-only structure?
• What haircut does LendSure apply to short-term rental income, and does it accept AirDNA?
• Does LendSure Mortgage Corp lend directly to borrowers or only through brokers?

LendSure Mortgage Corp ranked seventh, named by 2 of 7 platforms, but with the second-best average listed position in the index at 2.50 and a best position of 2 (from Perplexity). It was rated a strong fit by Claude and Grok, a good fit by ChatGPT, Gemini, and Perplexity, and uncertain by DeepSeek and Kimi.

Why it ranked here. LendSure's current DSCR Wholesale Power materials expressly accept AirDNA data and 12-month Airbnb/VRBO earnings summaries, and it advertises a 40-year interest-only structure described as 10 years of interest-only payments followed by 30-year amortization ^[67]. That interest-only structure is the most distinctive cash-flow feature in the evidence set because it can improve initial DSCR qualification.

Best suited for. 1–4 unit non-owner-occupied Airbnb or VRBO purchases where projected or historical STR revenue can be documented; borrowers who want property-cash-flow underwriting without W-2 income, tax returns, or personal DTI underwriting; investors needing interest-only or no-ratio DSCR alternatives, subject to scenario approval; borrowers using a mortgage broker with access to LendSure wholesale underwriting.

Main strengths for the use case. LendSure states that it accepts AirDNA reports for STR analysis and that 12-month Airbnb/VRBO earning summaries may be used ^[67]. Platform-reported evidence states LendSure works with DSCR ratios as low as 0.75x, with exceptions to 0.25x in select situations, and that lower ratios do not automatically disqualify loans ^[120]. The current page lists 1–4 unit properties including SFRs, condos, non-warrantable condos, condotels, and STRs ^[67]. Platform-reported evidence states LendSure can close up to 10 loans for a single investor and permits multiple loans to close simultaneously in a single transaction ^[117]. Platform-reported evidence also cites a pre-underwriting process that provides approvals and pricing typically within 24 hours ^[58].

Main limitations. LendSure states that it applies an 80% multiplier to gross STR income for qualification, which can materially reduce qualifying income versus actual projected or historical gross revenue ^[67]. The current public DSCR page advertises purchase LTV up to 85% for 1–4 unit properties generally, but does not clearly state the maximum LTV specifically applicable to STR income; an older LendSure rate sheet states a 65% maximum LTV when short-term-rental income is used ^[71]. The reviewed public materials do not specify a standardized policy for HOA prohibitions, municipal STR bans, minimum-night rules, permits, lodging taxes, or local licensing ^[67]. LendSure is a wholesale non-QM lender, so borrowers must work through mortgage brokers and cannot rate-shop directly ^[194]. Platform-reported evidence states New York State is specifically excluded, with the site pending DFS authorization ^[58]. .

8. Angel Oak Mortgage Solutions

Questions explored

• Is Angel Oak Mortgage Solutions worth it for an Airbnb DSCR loan if the borrower wants a no-ratio option?
• Does Angel Oak accept AirDNA projections, and what is its rental AVM?
• What credit score does Angel Oak require for 85% LTV on a short-term rental property?

Angel Oak Mortgage Solutions ranked eighth, named by 2 of 7 platforms, with an average listed position of 3.50 and a best position of 3 (from Grok). It was rated a strong fit by Gemini and Grok, a good fit by Claude, ChatGPT, and Perplexity, mixed by DeepSeek, and uncertain by Kimi.

Why it ranked here. Angel Oak's Investor Cash Flow DSCR program expressly supports short-term rentals, AirDNA analysis, automated rental-income valuation, DSCR below 1.0, and no-DSCR options ^[10]. It also advertises a rental-income AVM at the prequalification stage, described as providing an upfront rental-income figure ^[2].

Best suited for. Purchase of an existing or planned Airbnb/VRBO property where projected short-term-rental revenue is supportable by AirDNA or Angel Oak's rental-income tools; borrowers who prefer property-cash-flow qualification rather than personal income or employment documentation; investors needing flexible entity vesting, interest-only or ARM options, or potential DSCR-below-1.0/no-ratio treatment.

Main strengths for the use case. Angel Oak states that its DSCR program includes an automated AirDNA short-term-rental report, and a publicly accessible guideline document states that for purchase and rate-term transactions involving short or variable-term tenancy, the appraiser may use seasonal or short-term-rental data and projected AirDNA revenue, subject to stated occupancy and market-score conditions ^[275]. The current public product page advertises up to 85% LTV for qualifying scenarios with a stated minimum 720 FICO for that maximum, and loan amounts from $100,000 up to $3 million ^[10]. It advertises DSCR below 1.0 and no-DSCR options, with lower-LTV and/or higher-credit-score requirements for no-DSCR cases ^[10]. Eligible properties may include warrantable, non-warrantable, and condo-hotel properties, and title may be vested in an LLC, S corporation, C corporation, or revocable trust ^[10]. Platform-reported evidence states Angel Oak includes HOA fees in the DSCR calculation as part of debt service coverage ^[5].

Main limitations. The strongest public evidence is largely company-provided, and independent evidence on approval rates, closing performance, and actual STR pricing was not established ^[10]. AirDNA or AVM revenue is not the same as guaranteed realized Airbnb/VRBO income and may be adjusted by appraisal or underwriting ^[10]. HOA dues reduce DSCR, and no public evidence shows that Angel Oak accepts properties whose governing documents prohibit STR use ^[10]. Municipal STR legality, permits, occupancy limits, and licensing requirements are not clearly addressed in the public product materials ^[10]. Platform-reported evidence states Angel Oak originates exclusively through approved mortgage brokers and lending partners, not directly to borrowers ^[139].

9. Lima One Capital

Questions explored

• Is Lima One Capital worth it for an Airbnb DSCR loan if the borrower needs a bridge-to-permanent structure?
• What DSCR and credit score does Lima One Capital require for its short-term rental loan?
• Does Lima One Capital accept AirDNA projections for a short-term rental purchase?

Lima One Capital ranked ninth, named by 2 of 7 platforms, with the lowest average listed position in the index at 6.50 and a best position of 5 (from Gemini). It was rated a strong fit by Grok, a good fit by Claude, DeepSeek, Gemini, ChatGPT, and Perplexity, and uncertain by Kimi.

Why it ranked here. Lima One publishes a dedicated Short-Term Rental Loan and states that it underwrites STR properties using AirDNA and other data sources reflecting actual short-term-rental income in the surrounding market ^[131]. It also publishes a bridge-to-permanent path suited to STR investors buying distressed or repositioned properties ^[121]. Its lower ranking reflects fewer platform mentions and a lower average position rather than a weak fit assessment.

Best suited for. Purchase of a 1- to 9-unit investment property intended for Airbnb or VRBO operation; borrowers who need projected STR income rather than a conventional long-term lease to support DSCR underwriting; investors seeking up to 75% purchase LTV and flexible fixed-rate, ARM, amortizing, or interest-only structures; borrowers with at least a 660 FICO score and a property in a market with credible short-term-rental comparables.

Main strengths for the use case. Lima One publishes a dedicated Short-Term Rental Loan for vacation properties, separate from its single-family and portfolio rental products ^[128]. It states that STR properties are underwritten using short-term-rental market income data and that new purchases or vacant properties can use forecast market rents to project rental income ^[128]. Published STR terms show up to 75% LTV for purchases and up to 70% LTV for cash-out refinances ^[128]. Published STR structures include fixed-rate, ARM, fully amortizing, and interest-only-with-balloon options ^[128]. Lima One describes customizable prepayment structures, including the possibility of a low- or no-prepayment option in exchange for a higher fee and/or rate ^[129]. Platform-reported evidence states Lima One has institutional backing from MFA Financial, a publicly traded real estate investment trust ^[204].

Main limitations. The reviewed official STR pages do not publish a current STR interest-rate grid or APR, and a 6.25% "rates as low as" figure appears on the general single-family rental section rather than clearly on the STR product ^[128]. Platform-reported evidence states the STR program requires a DSCR of 1.3 or higher and a minimum FICO of 700, which is more restrictive than the standard rental program's 1.0 DSCR and 660 FICO ^[125].

What this study reveals

Questions explored

• What does the cross-platform AI study reveal about how DSCR lenders underwrite short-term rental income?
• Which short-term rental DSCR underwriting criteria do lenders disclose publicly, and which do they not?

Three patterns dominate this market as reflected in the platform evidence.

First, AirDNA acceptance is now table stakes, but the haircut is not standardized. Every qualifying entity except Kiavi has at least one platform citing explicit AirDNA acceptance. But the applied haircut varies widely: Easy Street advertises 100% of projected AirDNA revenue for qualifying Professional STR Investors and 75% for others ^[23]; Visio's platform-reported evidence cites a 20% haircut as standard ^[190]; LendSure states an 80% multiplier on gross STR income ^[67]; Total Quality Lending publishes a mandatory 20% expense factor with gross rents calculated as revenue projection multiplied by 0.80 ^[165]; Ridge Street applies 80% of AirDNA-projected figures filtered for comparable properties ^[141]; and Kiavi's platform-reported evidence cites a mandatory 20% haircut with a 60% minimum occupancy requirement ^[265]. A borrower comparing headline rates without comparing haircuts is comparing incomplete numbers.

Second, HOA and municipal restriction handling is the least-documented criterion across the entire set. Visio requests HOA contact information but does not state a detailed policy for HOA bans, municipal STR licensing, zoning restrictions, occupancy limits, or required permits ^[93].

Where the AI Platforms Agreed

Questions explored

• Which DSCR lenders for Airbnb properties did all or most AI platforms agree on?
• What did the AI platforms agree on about short-term rental DSCR underwriting requirements?

Platforms agreed on several points that cut across entities.

Property-cash-flow qualification is the defining feature of this product category. Every qualifying entity's evidence includes a statement that qualification is based on property income rather than personal income, tax returns, W-2s, or DTI. Visio states no personal-income verification for DSCR qualification ^[86]. Easy Street advertises no debt-to-income requirement, no tax returns, and no personal income verification ^[21]. Griffin states qualification is based primarily on property income rather than tax returns, W-2s, or personal DTI ^[49]. Kiavi states qualification is based primarily on property cash flow rather than W-2 income ^[107]. Total Quality Lending states property-cash-flow qualification rather than personal tax returns, W-2s, or employment verification ^[166]. Ridge Street emphasizes no personal income or tax-return underwriting ^[136]. LendSure states W-2s, tax returns, pay stubs, personal income verification, and personal DTI are not required ^[67]. Angel Oak states no personal income or employment information is required ^[10]. Lima One states qualification can be based on property cash flow rather than borrower personal income ^[128].

Entity borrowing is standard. Visio permits borrowing through an LLC or corporation ^[86]. Easy Street welcomes entities and partners ^[230].

Where the AI Platforms Disagreed

Questions explored

• Why do AI platforms disagree about which DSCR lender is best for Airbnb properties?
• Which DSCR lenders for short-term rentals have unresolved conflicts in their published terms?

The disagreements in this index are structural, not cosmetic, and buyers should understand them before shortlisting.

The Visio paradox. Visio was ranked first by DeepSeek and Grok, fourth by Gemini, sixth by Claude, and seventh by Kimi and Perplexity. The platforms that ranked it low did so for a consistent reason: insufficient public documentation of STR-specific underwriting mechanics. Kimi stated that Visio's 2026 public transparency on underwriting mechanics, pricing, and risk handling is insufficient for confident assessment, and that competitors publish granular AirDNA integration, LTV/DSCR matrices, legality verification protocols, and specific reserve requirements ^[74]. Deepseek stated that leverage, AirDNA usage, HOA and municipal restriction handling, and rate competitiveness are either unclear or may vary by scenario and are not fully documented in public sources ^[83]. The platforms that ranked it high did so based on its dedicated vacation-rental program, published 30-year fixed structure, and platform-reported third-party evidence of competitive rates and low origination fees ^[267]. Both positions are supported by the evidence; they reflect different weightings of company-published program existence versus independently verifiable underwriting detail. .

How to compare your options

Questions explored

• What should a buyer check before choosing a DSCR lender for a short-term rental Airbnb property?
• Which DSCR lender for Airbnb properties has the lowest published cost, and what fees apply?
• How should a buyer compare AirDNA haircuts across short-term rental DSCR lenders?

Start with the criterion that most often decides the deal: the AirDNA haircut. A lender advertising 100% of projected revenue and a lender applying an 80% multiplier can produce materially different qualifying DSCR on the same property. Ask each lender in writing what percentage of projected gross revenue will be credited, what occupancy assumption applies, and which expenses are deducted before the DSCR calculation.

Second, confirm STR legality handling in writing. Because no qualifying entity publishes a complete HOA and municipal restriction policy, the buyer bears the verification burden. Ask whether the lender reviews HOA CC&Rs, whether it requires proof of a current STR permit before closing, and what happens if a restriction is discovered after closing.

Third, reconcile every published conflict before committing. The evidence in this index contains unresolved conflicts on LendSure's STR LTV (65%, 75%, or 85%), Total Quality Lending's STR LTV (80% or 85%), Lima One's STR FICO and DSCR minimums (660/1.0 or 700/1.3+), Kiavi's DSCR threshold (0.8x or 1.1x), and Easy Street's pricing (5.75% advertised versus 7.49%–9.00% observed). A written term sheet resolves all of these.

Fourth, price the prepayment penalty against your hold period.

Methodology

This index was produced from a single standardized prompt sent once to each of 7 AI platforms: ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, and Gemini. The research date was 2026-09-30. The prompt described an investor buying a vacation-style property for Airbnb or VRBO use who needs a lender that will qualify the loan using short-term rental income projections such as market data reports rather than a traditional lease, and that understands HOA or municipal short-term rental restrictions.

Platforms were asked which providers they would recommend and why. Thirty unique entities were named across all platform responses. Nine entities qualified for the final ranking by being named by at least two platforms during ranking discovery.

The final ranking order is based on platform mentions, then average listed rank, then best listed rank. Platform mentions count only ranking-discovery mentions; they do not reflect how many platforms later completed a fit assessment. All 7 platforms completed fit assessments, but not every platform named every entity during ranking discovery.

Each qualifying entity was then evaluated against five category criteria: acceptance of short-term rental income projections, use of AirDNA or similar projected revenue data, leverage on STR properties, HOA and municipal restriction handling, and rate competitiveness. Entity evidence bundles were assembled from platform-reported claims, and citations were consolidated by URL.

Platform recommendations are treated as market intelligence, not independent customer reviews or proof of quality. Company-owned sources are distinguished from independent sources throughout. Where the evidence contains conflicts, those conflicts are described rather than resolved.

Research limitations

Several limitations materially affect how this index should be used.

Single prompt, single run. The study used one standardized prompt sent once to each included platform. AI answers can vary by date, wording, location, account state, model, interface, browsing configuration, and the sources retrieved. A different prompt or a repeat run could produce a different ranking.

Platform-reported research dates differ from the authoritative run date. The run research date is 2026-09-30. Platform-reported dates are provenance metadata and do not independently prove freshness. Deepseek reported 2026-01-20 for Visio Lending, 2026-06-08 for Easy Street Capital, 2026-01-15 for Griffin Funding, 2026-06-12 for Kiavi, 2026-04-15 for Total Quality Lending, 2026-01-16 for Ridge Street Capital, 2026-01-15 for LendSure Mortgage Corp, 2026-06-06 for Angel Oak Mortgage Solutions, and 2026-06-11 for Lima One Capital. Anthropic reported 2026-01-15 for Griffin Funding. These discrepancies mean some platform evidence may reflect older program terms than others.

Company-owned citations materially outnumber independent citations. Across the nine entity bundles, company-owned citations outnumber independent citations in most cases. Company claims are not independently verified and should not be described as such.

No-search model claims require explicit verification. Deepseek's research configuration had search disabled, so its claims rest on model knowledge rather than retrieved sources. These claims should be verified before being treated as current facts.

Supplied URLs were not independently validated. The URLs in the source catalog were collected from platform responses and were not independently validated by the writer stage. .

The consensus assessment

Visio Lending is the consensus leader for DSCR loans on short-term rental and Airbnb properties, named by 6 of 7 platforms with the highest platform share in the study. Its dedicated vacation-rental program, published 30-year fixed no-balloon structure, up to 80% LTV, and platform-reported evidence of competitive rates and low origination fees make it the default first call for experienced investors with 720+ credit buying rent-ready properties in established STR markets.

Easy Street Capital is the strongest alternative for borrowers who need projected AirDNA revenue accepted at 100%, who have credit scores in the 640–680 range, or who need a fast close. Its no-minimum-DSCR policy and AirDNA-first underwriting are genuine differentiators, but its rates and fees are described as above market for strong-credit borrowers.

Griffin Funding leads on leverage, advertising up to 85% LTV for 740+ FICO borrowers, and offers no-ratio and sub-1.0 DSCR options. Total Quality Lending and Ridge Street Capital publish the most specific AirDNA methodologies in the evidence set. LendSure Mortgage Corp offers the most distinctive cash-flow structure with its 10-year interest-only option. Angel Oak Mortgage Solutions combines AirDNA acceptance with a rental-income AVM and condotel eligibility. Lima One Capital offers a dedicated STR loan plus a bridge-to-permanent path, but carries a published regulatory consent order and higher STR thresholds.

No entity in this index publishes a complete HOA and municipal restriction policy, and no entity publishes a borrower-specific rate sheet.

Frequently Asked Questions

Which DSCR lender is best for an Airbnb property in 2026? Visio Lending ranked first in this 7-platform study, named by 6 of 7 platforms. Easy Street Capital ranked second with the best average listed position. The right choice depends on credit score, operating history, leverage needs, and hold period.

Do DSCR lenders accept AirDNA projections for short-term rental properties? Most qualifying lenders in this study accept AirDNA or similar projections, but the applied haircut varies. Easy Street advertises 100% of projected AirDNA revenue for qualifying Professional STR Investors and 75% for others. Visio's platform-reported evidence cites a 20% haircut. LendSure states an 80% multiplier. Total Quality Lending publishes a mandatory 20% expense factor. Ridge Street applies 80% of AirDNA-projected figures. Kiavi's platform-reported evidence cites a 20% haircut with a 60% minimum occupancy requirement.

What credit score do I need for a short-term rental DSCR loan? Published minimums range from 640 (Easy Street, Total Quality Lending) to 660 (Visio, Lima One standard rental) to 680 (Visio STR, Angel Oak) to 700 (Ridge Street STR, Lima One STR). Griffin requires 640 for STR and 620 for standard DSCR, with 740+ needed for its 85% LTV option.

Can I get 85% LTV on an Airbnb property? Griffin Funding advertises up to 85% LTV for 740+ FICO on loans up to $1 million. Total Quality Lending mentions up to 85% LTV for certain Investor Hybrid STR programs, though its dedicated Airbnb page states up to 80%.

Sources used in this study

Company-Owned Sources

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3. Single-Family Homes: https://angeloakms.com/angel-oak-mortgage-solutions-property-type/
4. Angel Oak Non-QM Condominium Loans: https://angeloakms.com/angel-oak-non-qm-condominium-loans/
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6. Angel Oak Mortgage Solutions – DSCR Loans: https://angeloakms.com/dscr-loans/
7. Our DSCR Just Got Better: What's New and Why It Matters: https://angeloakms.com/our-dscr-just-got-better-whats-new-and-why-it-matters/
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62. Why Non-QM Lending Belongs in Your Broker Toolkit - LendSure Mortgage Corp: https://lendsure.com/blog/why-non-qm-lending-belongs-in-your-broker-toolkit/
63. Condotel Loans: Unique Financing for Real Estate Ventures: https://lendsure.com/condotel-loans-unique-financing/
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66. Non-Warrantable Condo Loans - LendSure Mortgage Corp: https://lendsure.com/non-warrantable-condo-loans/
67. DSCR Wholesale Power - LendSure Mortgage Corp: https://lendsure.com/specialty-loan-solutions/dscr-wholesale-power/
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88. Interest Rate Locks – Secure Your DSCR Loan Rate: https://visiolending.com/resources/interest-rate-locks/
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108. Rental Property Loans: https://www.kiavi.com/partner/lennar
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133. Official pricing and terms source: https://www.limaone.com/terms-and-conditions/
134. Ridge Street Capital | Investment Property Loans Made Easy: https://www.ridgestreetcap.com/
135. Ridge Street Capital - DSCR Loans for Short-Term Rentals: https://www.ridgestreetcap.com/airbnb-dscr-loans
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137. Airbnb Loans | Airbnb Financing Program for Investment Properties - Ridge Street Capital: https://www.ridgestreetcap.com/airbnb-loans
138. Best Airbnb Lenders of 2026: Which One Is Right for Your Deal: https://www.ridgestreetcap.com/blog/best-airbnb-lenders
139. Best DSCR Lenders In 2026 | Complete Review: https://www.ridgestreetcap.com/blog/best-dscr-lenders
140. DSCR Loan Credit Score Requirements | FICO Impact on Rates: https://www.ridgestreetcap.com/blog/dscr-loan-credit-score-requirements
141. Can You Use a DSCR Loan For Airbnb?: https://www.ridgestreetcap.com/blog/dscr-loan-for-airbnb
142. DSCR Loan for Single Family Home: How Qualification Works: https://www.ridgestreetcap.com/blog/dscr-loan-for-single-family-home
143. DSCR Loans Explained: The Complete 2026 Guide for Real Estate Investors: https://www.ridgestreetcap.com/blog/dscr-loan-guide
144. DSCR Loan Prepayment Penalties: What Investors Need to Know: https://www.ridgestreetcap.com/blog/dscr-loan-prepayment-penalty
145. DSCR Loan Pros and Cons: A Real Estate Investor's Guide: https://www.ridgestreetcap.com/blog/dscr-loan-pros-and-cons
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153. STR DSCR Loan Case Study: https://www.ridgestreetcap.com/case-study/case-study-estes-park-co
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158. Official pricing and terms source: https://www.ridgestreetcap.com/terms-and-conditions
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166. Airbnb DSCR Loan — Short-Term Rental Financing | Total Quality Lending: https://www.totalqualitylending.com/dscr-loans/airbnb
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170. Investor Rental Property Loans — No Tax Returns | Total Quality Lending: https://www.totalqualitylending.com/investor-rental-property-loans
171. DSCR Loan Calculator: https://www.totalqualitylending.com/learn/calculators/dscr
172. Best Airbnb Loan Lenders 2026 — Top STR Lenders | Total Quality Lending: https://www.totalqualitylending.com/learn/compare/short-term-rental-lenders
173. Short-Term Rental Properties That Actually Cash Flow - Total Quality Lending: https://www.totalqualitylending.com/learn/short-term-rental-properties-that-cash-flow
174. Long-Term Investor Loans | Total Quality Lending: https://www.totalqualitylending.com/loan-solutions/long-term-investor
175. DSCR Loans for Investor Rental Properties: https://www.totalqualitylending.com/loans/dscr
176. Investor Hybrid Program | STR Loans at 85% LTV - Total Quality Lending: https://www.totalqualitylending.com/loans/hybrid-investor
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178. Best DSCR Lenders 2026 | Compare Top DSCR Loan Options: https://www.totalqualitylending.com/resources/blog/best-dscr-lenders-real-estate-investors-2026
179. Can You Use Airbnb Income to Qualify for a Mortgage? | Total Quality Lending: https://www.totalqualitylending.com/resources/blog/can-you-use-airbnb-income-to-qualify-for-a-mortgage
180. Investor Hybrid Program | STR Loans at 85% LTV: https://www.totalqualitylending.com/resources/blog/investor-hybrid-program-str-financing
181. Non-Qm And Portfolio...: https://www.totalqualitylending.com/resources/blog/who-is-total-quality-lending
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183. Official pricing and terms source: https://www.totalqualitylending.com/sms-terms
184. Airbnb and Short-Term Rental Loans, Up to 85% LTV: https://www.totalqualitylending.com/strategies/short-term-rental
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246. Easy Street Capital: https://www.biglawinvestor.com/marketplace/dscr-loans/montana/
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251. Consumer Financial Protection Bureau: https://www.consumerfinance.gov
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278. Easy Street Capital - lender information: https://www.linkedin.com/company/easy-street-capital Explore more investment property and non qm mortgage lenders guidance in the category directory.