1st Nationwide Mortgage: DSCR loans for short-term rentals
What 1st Nationwide Mortgage publishes about financing Airbnb and vacation rentals. Checked 2026-10-18. Lender website ↗
Published STR loan terms
- How STR income is counted
- Either: Accepts booking history or a projection, depending on the deal.
- Details
- 12 months of actual Airbnb/VRBO/PMS income is standard; under 12 months can combine partial actuals with an AirDNA projection.
- Minimum credit score
- 640
- Minimum DSCR
- 1.00
- DSCR below 1.0 allowed
- Not published
- No-ratio option
- Not published
- Max LTV (purchase)
- 80%
- Max LTV (cash-out refi)
- 75%
- Minimum loan
- $100K
- Maximum loan
- $1.5M
- Prepayment options
- Not published
- States served
- Not itemized (Says it finances DSCR STR in most states where it originates DSCR.)
- First-time investors
- Not published
- Channel
- Mortgage company
Sources
- https://www.1stnwm.com/loan-programs/airbnb-short-term-rental-loans/ (checked 2026-10-18)
"Not published" means we did not find the figure on the pages above. It does not mean the lender lacks a policy. Ask the lender.
Does it serve your state?
- Florida: Not itemized by lender
- Texas: Not itemized by lender
- Georgia: Not itemized by lender
- Tennessee: Not itemized by lender
- North Carolina: Not itemized by lender
- Arizona: Not itemized by lender
- California: Not itemized by lender
Check a deal against 1st Nationwide Mortgage
Run your numbers in the DSCR calculator. It shows which lenders' published minimums your deal clears.
Similar lenders (Either)
Not lending advice. Not a broker. STR Lender Watch is an independent research site. We do not make loans, arrange loans, take applications, or recommend any lender. Figures are summarized from each lender's own public pages on the date shown and can change without notice. Rate figures are estimates, not quotes. Talk to a licensed loan officer and your own advisors before making decisions.