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Capital Ton

DSCR loans for short-term rentals: what Capital Ton publishes about financing Airbnb and vacation rentals.

STR income method: Projection Verified from lender's own page on Oct 26, 2026 Channel: Direct lender

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Min DSCR
1.10
Source · Oct 26
Min credit
680
Source · Oct 26
Max LTV purchase
80%
Source · Oct 26
Min loan
$100K
Source · Oct 26

At a glance

From Capital Ton's published figures compared with the median of the 28 direct lenders we track. Unpublished figures are left out, not guessed.

Fits best

  • Publishes that it accepts projected STR income (no booking history needed)Source · checked Oct 26

Watch-outs

  • Higher published credit minimum than most (680 vs median 660)Source · checked Oct 26
  • Higher published minimum DSCR than most (1.10 vs median 1.00)Source · checked Oct 26

Key figures published: 6 of 7

The 7 figures most borrowers compare first. The fuller transparency score below covers all 12 core terms.

  • Min credit score: published
  • Max LTV (purchase): published
  • Min DSCR: published
  • Min loan: published
  • Max loan: not published
  • STR income method: published
  • States served: published

Check a deal against Capital Ton

Published STR loan terms

STR income method
Projection. Qualifies on a projection (e.g., AirDNA or a short-term rent analysis), so no booking history is needed. capitalton.com · checked Oct 26, 2026
Details
12-month history: Not published. Projection: 12+ months of local STR experience: up to 100% of AirDNA. First-time investors: up to 75% of AirDNA (must own a primary residence). capitalton.com · checked Oct 26, 2026
Minimum credit score
680 capitalton.com · checked Oct 26, 2026
Minimum DSCR
1.10 capitalton.com · checked Oct 26, 2026
DSCR below 1.0 allowed
No capitalton.com · checked Oct 26, 2026
No-ratio option
Not published
Max LTV (purchase)
80% capitalton.com · checked Oct 26, 2026
Max LTV (cash-out refi)
75% capitalton.com · checked Oct 26, 2026
Minimum loan
$100K capitalton.com · checked Oct 26, 2026
Maximum loan
Not published
Prepayment options
Not published Compare lenders that publish prepay terms
Reserves
Not published See which lenders publish reserve rules
Fees
Not published See which lenders publish their fees
States served
Licensed in 23 states/DC (Footer lists 23 states where it is licensed or exempt. Its 'Service Areas' list differs slightly (adds Illinois, omits some licensed states).) capitalton.com · checked Oct 26, 2026
First-time investors
Yes capitalton.com · checked Oct 26, 2026
Channel
Direct lender
Notes

30-year fixed STR loans; rates 'start at 7%'. LLC required. Rate-and-term refi up to 80% LTV. 1-4 unit properties. Prepay, max loan and reserves not published.

"Not published" means we did not find the figure on the pages below. It does not mean the lender lacks a policy. Ask the lender.

Questions to ask Capital Ton

Capital Ton doesn't publish these terms on the pages we checked (as of Oct 26, 2026). Ask before you apply, and get the answers in writing.

  • What is your maximum loan amount?
  • What prepayment penalty options do you offer, and can I buy the penalty down?
  • How many months of reserves do you require?
  • What origination and lender fees do you charge?

Transparency score: 75% (9 of 12 core fields published)

How many of our 12 core loan terms Capital Ton publishes on its own pages. The 12 core fields include the 7 key figures above plus DSCR below 1.0, no-ratio option, max LTV (cash-out/refi), prepayment and first-time investors. It measures what is published, not loan quality. How the score works · All lenders

  • No-ratio optionNot published on lender site as of Oct 26, 2026
  • Max loanNot published on lender site as of Oct 26, 2026
  • PrepaymentNot published on lender site as of Oct 26, 2026

Sources

  1. capitalton.com/str-loans/Checked Oct 26, 2026
  2. capitalton.com/dscr-loans/Checked Oct 26, 2026
  3. capitalton.com/Checked Oct 26, 2026

Spot something out of date? Send a correction with a source link. Corrections are free for every lender.

Changes over time

Updates we've made to Capital Ton's record, newest first. All Capital Ton changes in the change log

  1. addedIn change log
    Before
    Not published
    After
    Added as a tracked STR DSCR lender

    Figures from its own STR, DSCR and home pages (licensed or exempt in 23 states). Prepay, max loan and reserves not published.

    Source: capitalton.com

Capital Ton: questions answered from its published terms

How does Capital Ton count short-term rental income?

Projection. Qualifies on a projection (e.g., AirDNA or a short-term rent analysis), so no booking history is needed. Details: 12-month history: Not published. Projection: 12+ months of local STR experience: up to 100% of AirDNA. First-time investors: up to 75% of AirDNA (must own a primary residence). (source: capitalton.com, checked Oct 26, 2026)

What minimum credit score does Capital Ton publish?

680 (source: capitalton.com, checked Oct 26, 2026).

What minimum DSCR does Capital Ton publish?

1.10 (source: capitalton.com, checked Oct 26, 2026). It also publishes that it does not allow a DSCR below 1.0 (source: capitalton.com, checked Oct 26, 2026).

What is Capital Ton's maximum LTV for a short-term rental?

80% on a purchase (20% down; source: capitalton.com, checked Oct 26, 2026); 75% on a cash-out refinance (source: capitalton.com, checked Oct 26, 2026).

What loan amounts does Capital Ton offer?

Minimum $100K (source: capitalton.com, checked Oct 26, 2026). The maximum is not published.

Which states does Capital Ton lend in?

Licensed in 23 states/DC. Footer lists 23 states where it is licensed or exempt. Its 'Service Areas' list differs slightly (adds Illinois, omits some licensed states) (source: capitalton.com, checked Oct 26, 2026).

Does Capital Ton lend to first-time investors?

Yes, it publishes that first-time investors are eligible (source: capitalton.com, checked Oct 26, 2026).

What prepayment terms does Capital Ton publish?

Capital Ton does not publish its prepayment terms on the pages we checked (as of Oct 26, 2026). Ask 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.