Acra Lending: DSCR loans for short-term rentals
What Acra Lending publishes about financing Airbnb and vacation rentals. Checked 2026-10-18. Lender website ↗
Published STR loan terms
- How STR income is counted
- 12-month history: Counts STR income only from ~12 months of booking history (otherwise long-term market rent).
- Details
- STR allowed case-by-case. Refinances need 12-month rental-agency ledgers; purchases use the appraiser's market rent under standard DSCR rules.
- Minimum credit score
- 640
- Minimum DSCR
- Not published
- DSCR below 1.0 allowed
- Not published
- No-ratio option
- Not published
- Max LTV (purchase)
- 75%
- Max LTV (cash-out refi)
- 70%
- Minimum loan
- $100K
- Maximum loan
- $3M
- Prepayment options
- Not published
- States served
- All except AK, ND, SD
- First-time investors
- Not published
- Channel
- Wholesale
Notes: STR limits: max CLTV 75% purchase, 70% refinance; min FICO 640 (DSCR Program Summary 2/2/2026).
Sources
- https://api.acralending.com/uploads/DSCR_Program_Summary_2_02_2026_v1_1_1_ffc2a85bdc.pdf (checked 2026-10-18)
- https://api.acralending.com/uploads/acra_non_trid_programs_676f910c19.pdf (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: Yes
- Texas: Yes
- Georgia: Yes
- Tennessee: Yes
- North Carolina: Yes
- Arizona: Yes
- California: Yes
Check a deal against Acra Lending
Run your numbers in the DSCR calculator. It shows which lenders' published minimums your deal clears.
Similar lenders (12-month history)
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.