Certain Lending: DSCR loans for short-term rentals
What Certain Lending 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
- DSCR calculated using 12 months of operating history or AirDNA rents as market rent.
- Minimum credit score
- 700
- 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
- $150K
- Maximum loan
- $1.5M
- Prepayment options
- Not published
- States served
- Not itemized
- First-time investors
- Not published
- Channel
- Direct lender
Notes: Property must be listed on Airbnb, VRBO or similar. Entities only with personal guarantee. Foreign nationals at reduced LTV. C3 condition or better.
Sources
- https://www.certainlending.com/products (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 Certain Lending
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.