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Waltz

DSCR loans for short-term rentals: what Waltz publishes about financing Airbnb and vacation rentals.

STR income method: Projection Verified from lender's own page on Oct 26, 2026 Channel: Direct lender

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Min DSCR
1.00
Source · Oct 26
Min credit
Not published
Max LTV purchase
85%
Source · Oct 26
Min loan
Not published

At a glance

From Waltz's published figures compared with the median of the 28 direct lenders we track. Unpublished figures are left out, not guessed.

Fits best

  • Higher published max purchase LTV than most (85% vs median 80%)Source · checked Oct 26
  • Publishes that it accepts projected STR income (no booking history needed)Source · checked Oct 26

Watch-outs

No published figure is stricter than the direct-lender median.

Key figures published: 4 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: not published
  • Max loan: not published
  • STR income method: published
  • States served: published

Check a deal against Waltz

Published STR loan terms

STR income method
Projection. Qualifies on a projection (e.g., AirDNA or a short-term rent analysis), so no booking history is needed. getwaltz.com · checked Oct 26, 2026
Details
STR DSCR loans for purchases and refinances can be underwritten on projected STR income rather than leases (AirDNA-type data). Factor not published.
Minimum credit score
Not published
Minimum DSCR
1.00 getwaltz.com · checked Oct 26, 2026
DSCR below 1.0 allowed
Not published
No-ratio option
Not published
Max LTV (purchase)
85% getwaltz.com · checked Oct 26, 2026
Max LTV (cash-out refi)
Not published
Minimum loan
Not published
Maximum loan
Not published
Prepayment options
Not published Compare lenders that publish prepay terms
Reserves
Not published See which lenders publish reserve rules
Fees
Not published See which lenders publish their fees
States served
42 states/DC listed (Its disclosures list 41 states + DC where Waltz Capital Fund 1 makes loans; its STR guide says it does STR DSCR loans across 41 states.) getwaltz.com · checked Oct 26, 2026
First-time investors
Not published
Channel
Direct lender
Notes

Built for foreign nationals and U.S. investors: no U.S. credit required. Homepage: up to 85% LTV for U.S. residents and up to 75% for foreign nationals; its FAQ (undated) says loans and refinancing up to 70% LTV. Min DSCR is 'generally 1.0+'. Credit score minimum, loan size, prepay and reserves not published on its own pages. LLC required.

"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 Waltz

Waltz 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 is your maximum LTV on a cash-out refinance of a short-term rental?
  • What is your minimum loan amount?
  • What is your maximum loan amount?
  • What prepayment penalty options do you offer, and can I buy the penalty down?
  • How many months of reserves do you require?
  • What origination and lender fees do you charge?

Transparency score: 33% (4 of 12 core fields published)

How many of our 12 core loan terms Waltz 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
  • DSCR below 1.0Not published on lender site as of Oct 26, 2026
  • No-ratio optionNot published on lender site as of Oct 26, 2026
  • Max LTV (cash-out/refi)Not published on lender site as of Oct 26, 2026
  • Min loanNot published on lender site as of Oct 26, 2026
  • Max loanNot published on lender site as of Oct 26, 2026
  • PrepaymentNot published on lender site as of Oct 26, 2026
  • First-time investorsNot published on lender site as of Oct 26, 2026

Sources

  1. getwaltz.com/Checked Oct 26, 2026
  2. getwaltz.com/blog-posts/blog-posts-dscr-loan-for-airbnbChecked Oct 26, 2026
  3. getwaltz.com/faqChecked Oct 26, 2026
  4. getwaltz.com/disclosuresChecked 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 Waltz's record, newest first. All Waltz changes in the change log

  1. addedIn change log
    Before
    Not published
    After
    Added as a tracked STR DSCR lender

    Figures from its own homepage, STR guide, FAQ and disclosures (41 states + DC). Credit minimum, loan size, prepay and reserves not published.

    Source: getwaltz.com

Waltz: questions answered from its published terms

How does Waltz count short-term rental income?

Projection. Qualifies on a projection (e.g., AirDNA or a short-term rent analysis), so no booking history is needed. Details: STR DSCR loans for purchases and refinances can be underwritten on projected STR income rather than leases (AirDNA-type data). Factor not published. (source: getwaltz.com, checked Oct 26, 2026)

What minimum credit score does Waltz publish?

Waltz does not publish a minimum credit score on the pages we checked (as of Oct 26, 2026). Ask the lender.

What minimum DSCR does Waltz publish?

1.00 (source: getwaltz.com, checked Oct 26, 2026).

What is Waltz's maximum LTV for a short-term rental?

85% on a purchase (15% down; source: getwaltz.com, checked Oct 26, 2026).

What loan amounts does Waltz offer?

Waltz does not publish a minimum or maximum loan amount on the pages we checked (as of Oct 26, 2026). Ask the lender.

Which states does Waltz lend in?

42 states/DC listed. Its disclosures list 41 states + DC where Waltz Capital Fund 1 makes loans; its STR guide says it does STR DSCR loans across 41 states (source: getwaltz.com, checked Oct 26, 2026).

Does Waltz lend to first-time investors?

Waltz 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 Waltz publish?

Waltz does not publish its prepayment terms on the pages we checked (as of Oct 26, 2026). Ask the lender.

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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.