Uncapco Financial: DSCR loans for short-term rentals
What Uncapco Financial 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
- Uses AirDNA data, platform history, market comps or projected bookings; new STRs can qualify on AirDNA.
- Minimum credit score
- 660
- Minimum DSCR
- Not published
- DSCR below 1.0 allowed
- Not published
- No-ratio option
- Not published
- Max LTV (purchase)
- 80%
- Max LTV (cash-out refi)
- 75%
- Minimum loan
- $100K
- Maximum loan
- $5M
- Prepayment options
- Not published
- States served
- Not itemized
- First-time investors
- Not published
- Channel
- Lender
Notes: Foreign nationals eligible with a U.S. FICO score. 'Financing is not available in all states.'
Sources
- https://uncapco.com/short-term-rental-loans (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 Uncapco Financial
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.