The Mortgage Shop
DSCR loans for short-term rentals: what The Mortgage Shop publishes about financing Airbnb and vacation rentals.
- Min loan
- Not published
Published STR loan terms
- STR income method
- Not published. Finances STRs, but the lender does not publish how it counts STR income.
- Details
- Not published
- Minimum credit score
- 680 mortgage.shop · checked Oct 19, 2026
- Minimum DSCR
- 1.00 mortgage.shop · checked Oct 19, 2026
- DSCR below 1.0 allowed
- Yes mortgage.shop · checked Oct 19, 2026
- No-ratio option
- Yes mortgage.shop · checked Oct 19, 2026
- Max LTV (purchase)
- 80% mortgage.shop · checked Oct 19, 2026
- Max LTV (cash-out refi)
- Not published
- Minimum loan
- Not published
- Maximum loan
- Not published
- Prepayment options
- Not published
- States served
- Not itemized (Its DSCR page says nationwide availability; its home page shows a licensed-states map that does not list states as text. Confirm for your state.)
- First-time investors
- Not published
- Channel
- Mortgage broker (referral source)
Its DSCR page says the team specializes in loan programs for investors using long-term or short-term rentals and lists short-term rental strategies as supported, but no page states how STR income is counted. Qualifies on appraisal market rents. Interest-only available; no DTI; unlimited properties. Broker: arranges loans with lending partners.
"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.
Transparency score: 42% (5 of 12 core fields published)
How many of our 12 core loan terms The Mortgage Shop publishes on its own pages. It measures what is published, not loan quality. How the score works · All lenders
The Mortgage Shop is a referral source, not a direct lender, so it is not ranked on the transparency page.
- STR income methodNot published on lender site as of Oct 19, 2026
- Max LTV (cash-out/refi)Not published on lender site as of Oct 19, 2026
- Min loanNot published on lender site as of Oct 19, 2026
- Max loanNot published on lender site as of Oct 19, 2026
- PrepaymentNot published on lender site as of Oct 19, 2026
- States servedNot published on lender site as of Oct 19, 2026
- First-time investorsNot published on lender site as of Oct 19, 2026
Sources
- mortgage.shop/loan-types/Checked Oct 19, 2026
- mortgage.shop/dscr-loan/Checked Oct 19, 2026
- mortgage.shop/Checked Oct 19, 2026
Spot something out of date? Send a correction with a source link. Corrections are free for every lender.
Recorded term changes: added (Oct 19, 2026). Full change log
The Mortgage Shop: questions answered from its published terms
Is The Mortgage Shop a lender?
No. Our data lists its channel as "Mortgage broker (referral source)": it passes leads to partner lenders. The figures below are what it publishes about its partners' programs.
How does The Mortgage Shop count short-term rental income?
The Mortgage Shop does not publish how it counts short-term rental income on the pages we checked (as of Oct 19, 2026). Ask the lender.
What minimum credit score does The Mortgage Shop publish?
680 (source: mortgage.shop, checked Oct 19, 2026).
What minimum DSCR does The Mortgage Shop publish?
1.00 (source: mortgage.shop, checked Oct 19, 2026). It also publishes that it allows a DSCR below 1.0 (source: mortgage.shop, checked Oct 19, 2026) and it offers a no-ratio option (source: mortgage.shop, checked Oct 19, 2026).
What is The Mortgage Shop's maximum LTV for a short-term rental?
80% on a purchase (20% down; source: mortgage.shop, checked Oct 19, 2026).
What loan amounts does The Mortgage Shop offer?
The Mortgage Shop does not publish a minimum or maximum loan amount on the pages we checked (as of Oct 19, 2026). Ask the lender.
Which states does The Mortgage Shop lend in?
Not itemized state by state. Its DSCR page says nationwide availability; its home page shows a licensed-states map that does not list states as text. Confirm for your state (from the lender sources listed on its page, checked Oct 19, 2026).
Does The Mortgage Shop lend to first-time investors?
The Mortgage Shop does not publish a first-time investor policy on the pages we checked (as of Oct 19, 2026). Ask the lender.
What prepayment terms does The Mortgage Shop publish?
The Mortgage Shop does not publish its prepayment terms on the pages we checked (as of Oct 19, 2026). Ask the lender.
Related
Compare The Mortgage Shop
- Where the 10-year Treasury moved and what it means for STR loan pricing
- Lender term changes flagged on the lenders' own pages
- A short, plain-English STR financing explainer
No spam, unsubscribe anytime. Form not loading? Subscribe here.
Closed an STR DSCR loan with The Mortgage Shop?
Share the rate you got so other hosts can see what loans really cost. Anonymous, no personal info, reviewed before it appears.
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.