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DSCR lenders that can qualify an Airbnb with no booking history

17 of the 25 direct lenders we track publish that they count short-term rental income from a projection (for example AirDNA or an appraiser STR analysis), either as their method or as one of two accepted methods. 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.

On this list
17
Publish, but don't qualify
3
Not published
5
Checked
Oct 18–Oct 19, 2026

Lenders

LenderSTR incomeMin credit scoreMin DSCRMax LTV buyVerified
Angel Oak Mortgage SolutionsWholesale (via approved mortgage professionals) Projectionlender sources · Oct 18, 2026680source · Oct 19, 2026Not published85%source · Oct 19, 2026
Lima One CapitalDirect lender Projectionlender sources · Oct 18, 2026700source · Oct 19, 20261.30source · Oct 19, 202675%source · Oct 19, 2026
Quickline CapitalLender Projectionlender sources · Oct 18, 2026660source · Oct 19, 20260.75source · Oct 19, 202680%source · Oct 19, 2026
theLenderDirect and broker Projectionlender sources · Oct 18, 2026Not publishedNot published85%lender sources · Oct 18, 2026
1st Nationwide MortgageMortgage company Eitherlender sources · Oct 18, 2026640source · Oct 19, 20261.00source · Oct 19, 202680%source · Oct 19, 2026
A&D MortgageWholesale / correspondent Eithersource · Oct 19, 2026620source · Oct 19, 2026Not published80%source · Oct 19, 2026
America MortgagesDirect lender and broker (150+ lenders) Eitherlender sources · Oct 18, 2026Not publishedNot published80%source · Oct 19, 2026
Certain LendingDirect lender Eitherlender sources · Oct 18, 2026700source · Oct 19, 2026Not published75%source · Oct 19, 2026
Defy MortgageDirect lender Eithersource · Oct 19, 2026640source · Oct 19, 20260.75source · Oct 19, 202685%source · Oct 19, 2026
Easy Street CapitalDirect lender Eithersource · Oct 19, 2026640source · Oct 19, 2026Not published80%source · Oct 19, 2026
Griffin FundingDirect lender (consumer-direct) Eithersource · Oct 19, 2026620source · Oct 19, 2026Not published85%lender sources · Oct 18, 2026
LendmireMortgage brokerage Eitherlender sources · Oct 18, 2026620source · Oct 19, 20261.00source · Oct 19, 202675%source · Oct 19, 2026
LendSure MortgageWholesale Eithersource · Oct 19, 2026660source · Oct 19, 20260.75source · Oct 19, 202685%source · Oct 19, 2026
New SilverDirect lender Eitherlender sources · Oct 18, 2026660source · Oct 19, 20261.15source · Oct 19, 202680%source · Oct 19, 2026
Newfi WholesaleWholesale Eithersource · Oct 19, 2026640source · Oct 19, 20261.00source · Oct 19, 202680%source · Oct 19, 2026
Uncapco FinancialLender Eitherlender sources · Oct 18, 2026660source · Oct 19, 2026Not published80%source · Oct 19, 2026
Visio LendingDirect lender Eitherlender sources · Oct 18, 2026680source · Oct 19, 2026Not published85%source · Oct 19, 2026
How this list is built

A lender is listed only if its own pages publish that they count short-term rental income from a projection (for example AirDNA or an appraiser STR analysis), either as their method or as one of two accepted methods. 5 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.

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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.