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Easy Lending USA: DSCR loans for short-term rentals

What Easy Lending USA 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-month STR history or appraisal short-term rent projection; no history needed for purchases or conversions.
Minimum credit score
680
Minimum DSCR
1.00
DSCR below 1.0 allowed
No
No-ratio option
Not published
Max LTV (purchase)
85%
Max LTV (cash-out refi)
75%
Minimum loan
Not published
Maximum loan
Not published
Prepayment options
0 to 5 years (5, 3, 1-year or none)
States served
Not itemized (Says it covers 40 states; list not reproduced on page checked.)
First-time investors
Not published
Channel
Lender/broker

Notes: 85% purchase requires 740+ credit, DSCR 1.25+, experienced investor. First-time investors: conditions apply (700+ credit, prior purchase, own primary residence, single unit, DSCR > 1.0).

Sources

"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.

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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.