Lendmire: DSCR loans for short-term rentals
What Lendmire 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 months of rental history or a market data report (AirDNA Rentalizer-style projection).
- Minimum credit score
- 620
- Minimum DSCR
- 1.00
- DSCR below 1.0 allowed
- Not published
- No-ratio option
- Not published
- Max LTV (purchase)
- 75%
- Max LTV (cash-out refi)
- Not published
- Minimum loan
- Not published
- Maximum loan
- Not published
- Prepayment options
- Not published
- States served
- Not itemized (Says it works across 40 states and DC.)
- First-time investors
- Not published
- Channel
- Mortgage brokerage
Notes: 620 FICO is its stated general DSCR standard; 75% is its max STR purchase LTV.
Sources
- https://www.lendmire.com/market-data-report-requirements-for-str-loans/ (checked 2026-10-18)
- https://www.lendmire.com/ (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 Lendmire
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.