HomeAbroad
DSCR loans for short-term rentals: what HomeAbroad publishes about financing Airbnb and vacation rentals.
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- Min credit
- Not published
At a glance
From HomeAbroad's published figures compared with the median of the 28 direct lenders we track. Unpublished figures are left out, not guessed.
Fits best
Watch-outs
- Lower published max purchase LTV than most (75% vs median 80%)Source · checked Oct 26
- States served not itemized
Key figures published: 5 of 7
The 7 figures most borrowers compare first. The fuller transparency score below covers all 12 core terms.
- Min credit score: not published
- Max LTV (purchase): published
- Min DSCR: published
- Min loan: published
- Max loan: published
- STR income method: published
- States served: not published
Published STR loan terms
- STR income method
- Either. Accepts booking history or a projection, depending on the deal. homeabroadinc.com · checked Oct 26, 2026
- Details
- Airbnb guide: can use market-based STR income projections; also reviews documented Airbnb rental history tied to the property. Factor not published.
- Minimum credit score
- Not published
- Minimum DSCR
- 0.75 homeabroadinc.com · checked Oct 26, 2026
- DSCR below 1.0 allowed
- Yes homeabroadinc.com · checked Oct 26, 2026
- No-ratio option
- Yes homeabroadinc.com · checked Oct 26, 2026
- Max LTV (purchase)
- 75% homeabroadinc.com · checked Oct 26, 2026
- Max LTV (cash-out refi)
- 70% homeabroadinc.com · checked Oct 26, 2026
- Minimum loan
- $100K homeabroadinc.com · checked Oct 26, 2026
- Maximum loan
- $10M homeabroadinc.com · checked Oct 26, 2026
- Prepayment options
- Not published Compare lenders that publish prepay terms
- Reserves
- 6 months homeabroadinc.com · checked Oct 26, 2026 Compare reserve rules across lenders
- Fees
- Not published See which lenders publish their fees
- States served
- Not itemized
- First-time investors
- Not published
- Channel
- Mortgage company (loans made or arranged)
Focused on foreign nationals: no U.S. credit history required. DSCR >= 1 for best terms; below 1 needs a larger down payment (no-ratio: about 5% lower LTV and higher rate). Rate/term refi up to 75%. States served not published on the DSCR pages.
"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 HomeAbroad
HomeAbroad 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 minimum credit score for a short-term rental?
- What prepayment penalty options do you offer, and can I buy the penalty down?
- What origination and lender fees do you charge?
- Do you lend on short-term rentals in my state?
Transparency score: 67% (8 of 12 core fields published)
How many of our 12 core loan terms HomeAbroad 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
- Min credit scoreNot published on lender site as of Oct 26, 2026
- PrepaymentNot published on lender site as of Oct 26, 2026
- States servedNot published on lender site as of Oct 26, 2026
- First-time investorsNot published on lender site as of Oct 26, 2026
Sources
- homeabroadinc.com/loan-program/dscr-loan/Checked Oct 26, 2026
- homeabroadinc.com/dscr-loans-for-airbnb/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 HomeAbroad's record, newest first. All HomeAbroad changes in the change log
- addedIn change log
- Before
- Not published
- After
- Added as a tracked STR DSCR lender
Figures from its own DSCR program page and Airbnb DSCR guide. States served and prepay not published.
Source: homeabroadinc.com
HomeAbroad: questions answered from its published terms
How does HomeAbroad count short-term rental income?
Either. Accepts booking history or a projection, depending on the deal. Details: Airbnb guide: can use market-based STR income projections; also reviews documented Airbnb rental history tied to the property. Factor not published. (source: homeabroadinc.com, checked Oct 26, 2026)
What minimum credit score does HomeAbroad publish?
HomeAbroad does not publish a minimum credit score on the pages we checked (as of Oct 26, 2026). Ask the lender.
What minimum DSCR does HomeAbroad publish?
0.75 (source: homeabroadinc.com, checked Oct 26, 2026). It also publishes that it allows a DSCR below 1.0 (source: homeabroadinc.com, checked Oct 26, 2026) and it offers a no-ratio option (source: homeabroadinc.com, checked Oct 26, 2026).
What is HomeAbroad's maximum LTV for a short-term rental?
75% on a purchase (25% down; source: homeabroadinc.com, checked Oct 26, 2026); 70% on a cash-out refinance (source: homeabroadinc.com, checked Oct 26, 2026).
What loan amounts does HomeAbroad offer?
Minimum $100K (source: homeabroadinc.com, checked Oct 26, 2026); maximum $10M (source: homeabroadinc.com, checked Oct 26, 2026).
Which states does HomeAbroad lend in?
HomeAbroad does not publish a list of states it lends in on the pages we checked (as of Oct 26, 2026). Ask the lender.
Does HomeAbroad lend to first-time investors?
HomeAbroad does not publish a first-time investor policy on the pages we checked (as of Oct 26, 2026). Ask the lender.
What prepayment terms does HomeAbroad publish?
HomeAbroad does not publish its prepayment terms on the pages we checked (as of Oct 26, 2026). Ask the lender.
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- Every change is also logged on the lender change log
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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.