theLender: DSCR loans for short-term rentals
What theLender publishes about financing Airbnb and vacation rentals. Checked 2026-10-18. Lender website ↗
Published STR loan terms
- How STR income is counted
- Projection: Qualifies on a projection (e.g., AirDNA or a short-term rent analysis), so no booking history is needed.
- Details
- STR investor loans qualify on rent potential and property cash flow using property-level data and rental analysis.
- Minimum credit score
- Not published
- Minimum DSCR
- Not published
- DSCR below 1.0 allowed
- Yes
- No-ratio option
- Not published
- Max LTV (purchase)
- 85%
- Max LTV (cash-out refi)
- 75%
- Minimum loan
- $100K
- Maximum loan
- $3.5M
- Prepayment options
- Not published
- States served
- Not itemized
- First-time investors
- Not published
- Channel
- Direct and broker
Notes: Two tiers: NONI (DSCR 1:1 or greater, $100K-$3.5MM) and nearNONI (DSCR below 1, $100K-$3.0MM). Up to 80% LTV rate/term.
Sources
- https://thelender.com/str/ (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 theLender
Run your numbers in the DSCR calculator. It shows which lenders' published minimums your deal clears.
Similar lenders (Projection)
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.