America Mortgages: DSCR loans for short-term rentals
What America Mortgages 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
- AM Premier+ counts STR income; documentation is typically a market-rent appraisal or documented platform income history, varying by lender.
- Minimum credit score
- Not published
- Minimum DSCR
- Not published
- DSCR below 1.0 allowed
- Not published
- No-ratio option
- Not published
- Max LTV (purchase)
- Not published
- Max LTV (cash-out refi)
- Not published
- Minimum loan
- Not published
- Maximum loan
- Not published
- Prepayment options
- Not published
- States served
- All 50 states + DC (Arranges DSCR loans in all 50 states; individual programs vary by lender/state.)
- First-time investors
- Not published
- Channel
- Direct lender and broker (150+ lenders)
Notes: Focused on foreign and international investors.
Sources
- https://www.americamortgages.com/loan-type/us-dscr-mortgage (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 America Mortgages
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.