New · published rules only

The haircut ladder

The same Airbnb revenue qualifies differently at every lender. Enter your deal once and see, side by side, how much of your STR income each lender says it counts, your DSCR at each one, and whether it clears their minimum.

6 publish a % haircut 1 publish a cap rule (no %) 19 don't publish one Rules checked Oct 19, 2026

Your deal

Gross STR revenue

/yr/mo

Before platform fees, cleaning and management.

Revenue is based on

12+ months of booking historyA projection (AirDNA, STR appraisal)

I've operated a short-term rental for 12+ months (some lenders require STR experience for projections; Easy Street's “professional” tier = 3+ STRs, or 1 in the same market)

Purchase price / value

Down payment

Interest rate

See what investors actually paid

Amortization

Annual taxes + insurance + HOA

Long-term market rent (optional)

From a 1007 rent schedule. Some lenders use it instead of, or to cap, STR income.

Fill gaps with our assumption. Where a lender doesn't publish a haircut, apply 80% of revenue; where it doesn't publish a minimum, use 1.00. This is our assumption, not the lender's rule, and is labeled as such.

Qualifying income = gross STR revenue × the lender's published factor ÷ 12. DSCR = qualifying income ÷ monthly PITIA (principal & interest + taxes + insurance + HOA). “Close” = within 0.10 of the minimum.

Monthly PITIA–

Loan · LTV–

Gross revenue / mo–

DSCR at 100%–

Lender by lender

Bars show qualifying income against your payment (dark line) and each lender's minimum DSCR (dashed). Every rule links to the lender's own page or guideline.

All 26Published rules

The published rules

What each lender publishes about counting STR income. “Not published” means we found no number on the lender's public pages or guidelines as of Oct 19, 2026; it doesn't mean there's no haircut. Ask the lender.

Lender	12-month history	Projection	STR min DSCR	Source
1st Nationwide Mortgage	Accepted · factor not published	Accepted · factor not published	1.00 program	[1]
A&D Mortgage	75%	75%	Not published	[1]
Acra Lending	Accepted · factor not published	Long-term market rent	Not published	[1]
America Mortgages	Not published	Not published	Not published	–
Angel Oak Mortgage Solutions	Not published	Accepted · factor not published	Not published	[1]
Certain Lending	Accepted · factor not published	Accepted · factor not published	Not published	[1]
CoreVest Finance	Not published	Not published	Not published	–
Defy Mortgage	Accepted · factor not published	80% · experience req.	1.15	[1]
Dominion Financial	Not published	Not published	Not published	–
Easy Lending USA	Accepted · factor not published	Accepted · factor not published	1.00 program	[1]
Easy Street Capital	100%	75% (100% pro)	Not published	[1]
Griffin Funding	80%–100%	80%–100%	Not published	[1]
Kiavi	Not published	Not published	0.80 program	[1]
LendingOne	Not published	Not published	0.75 program	[1]
Lendmire	Accepted · factor not published	Accepted · factor not published	1.00 program	[1]
LendSure Mortgage	80%	80%	0.75 program	[1]
Lima One Capital	Not published	Accepted · factor not published	1.30 program	[1][2]
Logan Finance	100%, capped at market rent	Long-term market rent	1.00 program	[1]
New Silver	Accepted · factor not published	Accepted · factor not published	1.15	[1]
Newfi Wholesale	80%	80% · experience req.	>1.00	[1][2]
NQM Funding	Accepted · factor not published	Not accepted	1.15	[1][2]
Quickline Capital	Not published	Accepted · factor not published	0.75 program	[1]
theLender	Not published	Accepted · factor not published	Not published	[1]
Truss Financial Group	Not published	Not published	Not published	–
Uncapco Financial	Accepted · factor not published	Accepted · factor not published	Not published	[1]
Visio Lending	Accepted · factor not published	Accepted · factor not published	Not published	[1]

“program” = the lender's general DSCR minimum; it doesn't publish a separate STR minimum. Some sources are older documents (noted in each rule's tooltip and on the rung).

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.