Financing Options for Airbnb & Short-Term Rental Properties
We match Airbnb and vacation rental investors with 2-3 vetted lenders that fit their goals — no spam, no lead-list blasts, just the right match.
DSCR Loans for Airbnbs (How They Work)
Property Income Qualification
Qualify on property income — not your W-2. STR-savvy DSCR lenders underwrite using projected rental income for your market.
Typical DSCR Targets
1.0–1.2+, depending on LTV, credit, and reserves.
Why STR DSCR is Unique
Seasonality, ADR, and occupancy assumptions matter — our data package simplifies underwriting.
Refi & Cash-Out
Common for renovations or portfolio scaling.
Why Investors Choose Chalet
No spam. No lead-list blasts. Just 2–3 curated matches you approve.
STR Underwriting Expertise
DSCR, bank-statement, and second-home programs that understand seasonality.
Faster, Cleaner Closes
Your lender gets STR data up front to reduce friction.
Nationwide Coverage
200+ markets analyzed; $100M+ in STR assets connected.
Programs We Match (Airbnb-Ready)
We connect you with lenders offering these financing options tailored for short-term rental investments.
DSCR loans for Airbnbs
Qualify on property cash flow.
Bank-statement / self-employed
12-24 month statements.
Conventional investor
Predictable pricing, W-2 or strong credit.
Second-home
Personal use + short-term rent.
Portfolio / BRRRR-friendly
Scale across multiple doors.
Note: Chalet is not a lender or mortgage broker. We connect investors with vetted lending partners.
Typical Airbnb Loan Highlights
Every deal is different—your matched lenders will quote exact terms for your property and goals. Expect:
Flexible programs: DSCR, second-home, bank-statement, and investor loans
Competitive rates based on property income and borrower profile
30-year fixed and interest-only options available (program-dependent)
Nationwide coverage—from beach condos to mountain cabins
Note: Specific terms come directly from the lender once you're matched.
What Lenders Usually Ask For
Once you're matched, the lender will request the docs they need. Common items include:
Basic ID and property details
Standard identification and property information documentation.
Recent bank statements or income documentation
Program-dependent financial records.
High-level STR performance or projections
ADR, occupancy data and projections.
Any renovation/improvement plans
If relevant to your property.
Note: Requirements vary by program and lender. Your matched lender will provide the exact list.
How It Works
We screen lenders against your needs and send you just 2–3 curated matches for your approval—no auto-blasts, no spam. You're in control.
- 1
Share your market and property details
Tell us about your property location, investment goals, and financing needs. This helps us understand exactly what you're looking for. - 2
We screen and propose 2–3 lender matches
Our team reviews your information and matches you with lenders who specialize in your property type and market. - 3
You approve intros — no auto-blast
Review your matches before any introductions are made. Nothing happens without your explicit approval. - 4
Compare quotes → choose your lender → close
Connect with your matched lenders, compare terms, and select the best option for your investment goals.
Airbnb Loans 101 (Quick Guide)
DSCR vs Conventional Loans
DSCR = Debt Service Coverage Ratio • DTI = Debt-to-Income Ratio
Property income focus — qualify based on rental income from the investment property
Borrower DTI — qualify based on your personal income and debt obligations
Enables portfolio growth — each property stands on its own income
Caps at personal DTI — limited by your total debt-to-income ratio
Self-Employed Investors
Bank-statement programs are flexible for STR (Short-Term Rental) investors who need alternatives to W-2 income verification.
Testimonials
Jessica M.
"The flexibility of their lenders was unmatched. I was able to choose between a DSCR loan and a conventional loan, making it so much easier to finance my Airbnb investment."
Mike R.
"Their lender partners truly understood the unique needs of short-term rental investors. I got a competitive loan that fit my budget and timeline perfectly."
Sarah T.
"I've worked with other lenders before, but none offered the expertise in both DSCR and conventional loans like they did. The process was smooth and stress-free!"
Investment Tools & Resources for Airbnb Investors
Make data-driven investment decisions with our suite of free tools designed to help you analyze markets, find properties, and project revenue for your next Airbnb investment.
Compare STR Markets
Find your next investment with market guides, regulations, and insights.
FREE Airbnb Analytics
Browse For-Sale Airbnb Listings
Explore our curated selection of active for-sale short-term rental properties.
For-sale Airbnb Listings
Estimate STR Revenue
Use our free calculator to project Airbnb revenue for any property.
Airbnb CalculatorFrequently Asked Questions
Everything you need to know about Airbnb loans.
Disclaimer
Chalet is not a lender or mortgage broker. We provide curated introductions to licensed lending partners. All credit decisions, loan terms and approval criteria are set by the lender. Your matched lender will review your individual property, credit profile, and market. Terms vary and are subject to change without notice. We never sell or broadcast your information. Partner lenders are responsible for their own NMLS licensing and disclosures.
Discover Airbnb Loans & Financing Options in Other Markets
Scaling your portfolio beyond your current market? Our specialized lenders provide DSCR and conventional financing solutions across multiple markets, helping you secure competitive rates and flexible terms for your next STR investment.
States & Territories
Alaska (1)
Alabama (4)
Arkansas (3)
Arizona (9)
California (29)
Colorado (7)
Florida (47)
Hawaii (5)
Iowa (1)
Idaho (2)
Illinois (1)
Indiana (4)
Kentucky (1)
Louisiana (1)
Maryland (1)
Maine (1)
Michigan (5)
Minnesota (5)
Missouri (5)
Mississippi (1)
North Carolina (9)
New Jersey (2)
New Mexico (4)
Nevada (2)
Ohio (5)
Oklahoma (3)
Pennsylvania (6)
South Carolina (7)
Tennessee (5)
Texas (15)
Utah (2)
Virginia (3)
Vermont (1)
Wisconsin (4)
Wyoming (1)
Expanding your STR investments? Our lending partners offer market-specific expertise and can help you navigate financing options in additional high-performing locations.
