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DSCR lenders for a first-time investor buying an Airbnb with no booking history

8 of the 28 direct lenders we track publish both that first-time investors are eligible and that they can count projected short-term rental income (for example AirDNA) instead of booking history. Each figure links to the lender page it came from, with the date we checked it. Sorted by the published figure, not ranked by quality.

Updated . How we chose: direct lenders whose own pages publish both that first-time investors are eligible and that they can count projected short-term rental income (for example AirDNA) instead of booking history; referral sources are left out, and a lender that doesn't publish the figure never qualifies. Methodology

On this list
8
Publish, but don't qualify
17
Not published
3
Checked
Oct 22–Oct 26, 2026
Check your deal against these lenders Opens the lender matcher set to a first-time investor. Add the rest of your deal. It has no input for income method; this list already filters for projected income.

Lenders

DSCR lenders for a first-time investor buying an Airbnb with no booking history
LenderFirst-time investorsSTR incomeMin credit scoreMin DSCRMax LTV buyVerified
Capital TonDirect lender Yessource · Oct 26, 2026Projectionsource · Oct 26, 2026680source · Oct 26, 20261.10source · Oct 26, 202680%source · Oct 26, 2026
Quickline CapitalLender Yessource · Oct 22, 2026Projectionsource · Oct 22, 2026660source · Oct 22, 20260.75source · Oct 22, 202680%source · Oct 22, 2026
America MortgagesDirect lender and broker (150+ lenders) Yessource · Oct 22, 2026Eithersource · Oct 22, 2026680source · Oct 22, 2026Not published80%source · Oct 22, 2026
Easy Street CapitalDirect lender Yessource · Oct 22, 2026Eithersource · Oct 19, 2026640source · Oct 22, 2026Not published80%source · Oct 22, 2026
Griffin FundingDirect lender (consumer-direct) Yessource · Oct 22, 2026Eithersource · Oct 22, 2026620source · Oct 22, 2026Not published85%source · Oct 22, 2026
New SilverDirect lender Yessource · Oct 22, 2026Eithersource · Oct 22, 2026660source · Oct 22, 20261.15source · Oct 22, 202680%source · Oct 22, 2026
Newfi WholesaleWholesale Yessource · Oct 22, 2026Eithersource · Oct 19, 2026640source · Oct 22, 20261.00source · Oct 22, 202675%source · Oct 22, 2026
theLenderDirect and broker Yessource · Oct 22, 2026Eithersource · Oct 22, 2026620source · Oct 22, 2026Not published85%source · Oct 22, 2026
How this list is built

A lender is listed only if its own pages publish both that first-time investors are eligible and that they can count projected short-term rental income (for example AirDNA) instead of booking history. 3 direct lenders don't publish this, so they aren't listed; that doesn't mean they don't offer it. Published maximums and minimums are best cases that usually need strong credit and experience. Confirm current terms with the lender.

Frequently asked questions

Can a first-time investor get a DSCR loan for an Airbnb?

Yes, from some lenders. 10 of the 28 direct lenders we track publish that first-time investors are eligible, and 8 of those also publish that they can count projected STR income, so the property doesn't need booking history: Capital Ton, Quickline Capital, America Mortgages, Easy Street Capital, Griffin Funding, New Silver, Newfi Wholesale and theLender.

Why does booking history matter?

A new Airbnb has no booking history, so the lender has to use a projection (AirDNA or an appraiser's STR analysis) or long-term market rent. Kiavi and NQM Funding accept first-time investors but don't publish that they count projected STR income, so they aren't listed here. Some lenders count only part of a projection for new investors; the haircut ladder shows each published rule.

What do first-time investors usually need?

Expect stricter terms than an experienced investor: a higher credit score, a bigger down payment or more reserves. Published minimums and maximums are best cases. Use the lender matcher with your credit score, down payment, loan size and state to see who may qualify.

Other lender lists

This list by state

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  • No set schedule: we email when there's a change to report. Every change is also on the change log

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Not a lender or broker. No referral fees. For education only. Figures come from each lender's public pages on the date shown and can change without notice, so verify them with the lender. Rates are estimates, not quotes. How we source data.