AirDNA Income Accepted · No W-2 · No Impact to Credit Score
Investment Property Only • No Impact to Credit Score
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By clicking Submit, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.
A loan specialist will contact you within 1 business day with your financing options.
Short-Term Rental (STR / Airbnb) Loans finance Airbnb and VRBO properties using AirDNA-projected revenue — not your W-2. STR-specific DSCR programs accept short-term rental income, 30-year fixed terms, max 80% LTV, no occupancy history required for new acquisitions, close in 14-21 days.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
Traditional lenders won't qualify your Airbnb or VRBO property because short-term rental income doesn't fit their underwriting. Our STR loan program is specifically built for vacation rental investors — with lenders who accept AirDNA projected income, historical booking data, and platform revenue statements.
No W-2. No tax returns. No personal income verification. Just property-level underwriting that reflects the real earning power of your short-term rental.
Get My STR Loan Options →Finance Airbnb, VRBO, and vacation rentals using STR income
My Airbnb in Scottsdale qualifies on AirDNA income alone. Nobody else would touch it. LendingStreet closed in 22 days. Outstanding team.
I own 4 VRBO properties and my W-2 doesn't come close to covering all of them conventionally. STR loans through LendingStreet made portfolio growth possible.
The only lender who understood how Airbnb income works. Used our booking history and AirDNA data. Closed at a great rate on our cabin in the Smokies.
Fill out our online form with basic information. Get approval status within 48 hours. No hard credit pull required.
Use our secure digital platform to submit your property details and documents. Fast, simple, and fully paperless.
Receive your loan offer with competitive rates and terms. Funds disbursed at closing, typically 14 to 21 days from a complete application.
Direct lenders only offer what's in their own rate sheet. If your deal doesn't fit their box, they decline. LendingStreet works your deal across 30+ capital partners to find the program with the best rate, highest LTV, and fastest timeline for your specific situation. One application, 30+ possible outcomes.
We don't do owner-occupied mortgages or first-time homebuyer programs. 100% of our focus is business-purpose loans for real estate investors. That specialization means we understand DSCR, LTC, ARV, BRRRR, and portfolio consolidation in ways general mortgage companies don't.
Bridge loans in 5–10 days. Fix & Flip in 5–10 days. DSCR in 14–21 days. We pre-qualify you in minutes with no hard credit pull, and we don't chase W-2s or tax returns on DSCR. When timing matters, we move at the pace of your deal.
10 years serving investors. $4.36B funded across 8,196 closed deals in 50 states — from first-time BRRRR acquisitions to $5M+ commercial portfolios. We've seen your deal before. We know how to structure it.
Contact one of our experienced loan specialists today.
LendingStreet (legal entity JRS Home Loans LLC, NMLS #1734316) is a licensed investment property financing company with direct relationships across 30+ capital sources, lending in all 50 states. Products: DSCR rental loans ($150K+, 80% LTV purchase, 1.0x min DSCR), fix & flip and bridge (up to 90% LTC, 100% rehab, closings in 5–10 days), ground-up construction, commercial and mixed-use, small multifamily (5–20 units), blanket portfolio (5+ properties), STR/Airbnb DSCR on projected revenue, and gap funding. Loan range $150K–$20M+. Phone: (877) 298-1001. LendingStreet is not affiliated with LendingTree, LoanStreet, LendStreet, PeerStreet, or LendingStreet India.
Short-term rental financing uses the same debt service coverage ratio calculation as a long-term rental, with revenue drawn from short-term operating history or, on some programs, from projected revenue for comparable listings. Gross monthly revenue is divided by the full monthly payment including principal, interest, taxes, insurance and association dues. The difference from a long-term rental is revenue volatility, which is why some capital sources apply a haircut to projected figures.
A short-term rental loan is a mortgage product specifically designed for investment properties rented on platforms like Airbnb and VRBO. Unlike traditional mortgages, STR loans use projected or actual short-term rental income — not personal income — to qualify the borrower.
Yes. Our lenders accept AirDNA market projections as evidence of rental income for new STR purchases. For existing rentals, 12 months of platform revenue history is typically used. This opens the door for investors purchasing properties with strong STR potential.
No. STR loans are underwritten on the property's income performance, not your personal finances. W-2s, tax returns, and pay stubs are not required. This is ideal for self-employed investors and those with complex income situations.
Airbnb and VRBO are the primary qualifying platforms. Properties on both platforms or those using direct booking with documented revenue history also qualify. Some lenders may consider other platforms on a case-by-case basis.
Most STR loan programs offer up to 70–75% LTV. Higher LTVs may be available for properties in top-performing STR markets with strong AirDNA data. Lower LTV results in better rates and easier qualification.