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Vetted Lenders • Personalized Matching

Airbnb Loans & Short-Term Rental Financing

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.

Down payments starting at 15%
Fast, hassle-free closings
No spam, ever

DSCR Loans for Airbnbs (How They Work)

Key things to know before you talk to lenders.

  • Typical DSCR Targets

    1.0–1.2+, depending on LTV, credit, and reserves.

  • Refi & Cash-Out

    Common for renovations or portfolio scaling.

  • Property Income Qualification

    Qualify on property income — not your W-2. STR-savvy DSCR lenders underwrite using projected rental income for your market.

  • Why STR DSCR is Unique

    Seasonality, ADR, and occupancy assumptions matter — our data package simplifies underwriting.

Run a quick DSCR with our calculator

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.

Connected Investors With
$100M+
in STR Assets
2–3
Curated Intros
200+
Markets Analyzed

Programs We Match

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. In general you can 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. 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. 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. 3

    You approve intros — no auto-blast

    Review your matches before any introductions are made. Nothing happens without your explicit approval.
  4. 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

A quick comparison to help you choose the right fit.

DSCR vs Conventional Loans

DSCR = Debt Service Coverage Ratio • DTI = Debt-to-Income Ratio

Qualification Method
DSCR

Property income focus — qualify based on rental income from the investment property

Conventional

Borrower DTI — qualify based on your personal income and debt obligations

Scaling Capability
DSCR

Enables portfolio growth — each property stands on its own income

Conventional

Caps at personal DTI — limited by your total debt-to-income ratio

Self-Employed Investors

Bank-statement programs are flexible for STR investors who need alternatives to W-2 income verification.

Run a quick DSCR with our calculator

Testimonials

✓ Verified

Jessica M.

Destin, FL
"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."
5.0
✓ Verified

Mike R.

Palm Desert, CA
"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."
5.0
✓ Verified

Sarah T.

Gulf Shores, AL
"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!"
5.0

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 Airbnb (STR) Markets

Compare STR Markets

Find your next investment with market guides, regulations, and insights.

FREE Airbnb Analytics
Browse For-Sale Airbnb Listings

Browse For-Sale Airbnb Listings

Explore our curated selection of active for-sale short-term rental properties.

For-sale Airbnb Listings
Estimate STR Revenue

Estimate STR Revenue

Use our free calculator to project Airbnb revenue for any property.

Airbnb Calculator

Frequently Asked Questions

Frequently Asked Questions

Everything you need to know about Airbnb loans.

"Airbnb loans" isn't an official loan category, but it's how many investors refer to financing for short-term rentals. These are typically DSCR loans, bank-statement loans, or second-home mortgages from licensed lenders who understand vacation rental properties.

No. We only introduce you to 2–3 carefully matched lenders, and you approve each introduction before anyone contacts you. No spam, no lead-list blasts.

Most lenders want a DSCR (Debt Service Coverage Ratio) of 1.0 to 1.2 or higher, meaning your rental income should cover 100–120% of your mortgage payment. The exact target depends on your loan-to-value ratio, credit score, and reserves.

Lenders familiar with short-term rentals typically close in about 30 days, assuming your documentation is ready. Some can do it faster (21 days) for straightforward deals, while complex situations may take 45–60 days.

Yes. We connect you with lenders offering both refis and cash-out refis across DSCR, conventional, and second-home programs. Cash-out limits typically range from 70–80% of your property value.

DSCR and portfolio loans often allow LLC ownership, which provides liability protection. Conventional and second-home loans typically require personal borrowing, though the property can sometimes be titled in a trust.

DSCR loans are designed to count STR income — they underwrite based on your property's rental income. Conventional and second-home loans vary; some count STR income with a track record, while others don't. We match you with lenders who understand and properly evaluate STR income.

Requirements range from mid-600s to 700+, depending on the program. DSCR loans may accept scores as low as 620–640 if your property cash flow is strong. Lower scores can sometimes be offset by higher down payments or additional reserves.

Lenders typically require 3–12 months of mortgage payments (Principal, Interest, Taxes, Insurance, Association fees) in reserves. If you have strong DSCR, lower LTV, and good credit, you may only need 3–6 months. Higher-risk scenarios require 6–12 months.

Prepayment penalties are common on DSCR loans, usually structured as declining penalties over 1–5 years (e.g., 5% in year one, 4% in year two, down to zero). Some programs offer no-prepayment-penalty options, though rates may be slightly higher. Conventional loans rarely have prepayment penalties.

Yes, DSCR and portfolio loan programs often accommodate condos and condo-tels, though eligibility depends on whether the HOA allows short-term rentals and meets certain owner-occupancy requirements. Some lenders have specific programs designed for these property types.

Some specialized programs can work with properties where rental income doesn't fully cover debt service, but you'll typically need a lower LTV (higher down payment), higher interest rate, or both. These "cash flow negative" programs are less common and more restrictive.

Most lenders require 3–6 months of ownership before you can do a cash-out refinance (this is called "seasoning"). Rate-and-term refinances often have shorter or no seasoning requirements. Some DSCR lenders offer faster seasoning periods (30 days) compared to conventional programs.

Second-home loans offer lower rates but require you to use the property personally (often 14+ days per year) and may limit rentals. DSCR/investment loans are better for scaling — they allow unlimited rentals, don't require personal use, and qualify based on property income rather than your personal debt-to-income ratio. Many investors start with second-home loans, then move to DSCR as they build their portfolio.

We receive a standard referral fee from lenders when you successfully connect with them — similar to how real estate agents are compensated. Importantly, this fee comes from the lender's budget, not from markup on your loan. You pay the same rates and fees you would pay if you went directly to that lender.

Have questions about anything else? Visit our FAQ page →

Connected Investors With100M+in Short-Term Rental Assets
Short-Term Rental RealtorsAll 50 states200+ Markets
Analyzing1M+Short-Term Rentals

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.

Alaska (1)

Anchorage

Alabama (4)

Birmingham, Gulf Shores, Montgomery, Orange Beach

Arkansas (3)

Hot Springs National, Hot Springs, Little Rock

Arizona (9)

Chandler, Flagstaff, Lake Havasu City, Mesa, Phoenix, Scottsdale, Sedona, Tempe, Tucson

California (30)

Big Bear Lake, Big Bear, Carlsbad, Coachella, Desert Hot Springs, Desert Palms, Dillon Beach, Encinitas, Hollywood, Indio, Joshua Tree, La Quinta, Lake Arrowhead, Long Beach, Los Gatos, Mammoth Lakes, Marin County, Mendocino, Newport Beach, Oceanside, Palm Desert, Palm Springs, San Diego County, San Diego, Santa Cruz, Sonoma, South Lake Tahoe, Truckee, Twentynine Palms, Yucca Valley

Colorado (7)

Breckenridge, Denver, Dillon, Keystone, Snowmass Village, Steamboat Springs, Vail

Florida (47)

Bradenton Beach, Bradenton, Cape Coral, Cape Coral, Clearwater, Clermont, Davenport, Daytona Beach, Destin, Fort Lauderdale, Fort Myers, Fort Walton Beach, Gainesville, Gulf Breeze, Gulf Breeze, Hollywood, Indian Rocks Beach, Jacksonville, Key Largo, Key West, Kissimmee, Laguna Beach, Lake Worth, Marco Island, Miami Beach, Miami, Miramar Beach, Naples, Orlando, Palm Beach, Palm Beach, Palm Coast, Panama City Beach, Pensacola, Pompano Beach, Santa Rosa Beach, Sarasota, Seaside, Seminole, St. Augustine, St. Petersburg, St. Petersburg, Tallahassee, Tampa, Tavernier, Venice, West Palm Beach

Georgia (6)

Athens, Atlanta, Augusta, Blue Ridge, Jasper, Savannah

Hawaii (5)

Honolulu, Kailua Kona, Kihei, Lahaina, Oahu

Iowa (1)

Cedar Rapids

Idaho (2)

Boise, Island Park

Illinois (1)

Chicago

Indiana (4)

Bloomington, Fort Wayne, Indianapolis, South Bend

Kentucky (1)

Lexington

Louisiana (1)

New Orleans

Maryland (1)

Ocean City

Maine (1)

Portland

Michigan (5)

Ann Arbor, Detroit, Grand Rapids, South Haven, Traverse City

Minnesota (5)

Baxter, Brainerd, Duluth, Minneapolis, Saint Paul

Missouri (5)

Branson, Kansas City, Lake Ozark, Osage Beach, St. Louis

Mississippi (1)

Oxford

Montana (2)

Big Sky, Bozeman

North Carolina (9)

Asheville, Banner Elk, Boone, Charlotte, Greensboro, Henderson, Raleigh, Wilmington, Winston-Salem

New Jersey (2)

Atlantic City, Newark

New Mexico (4)

Albuquerque, Angel Fire, Santa Fe, Taos

Nevada (2)

Las Vegas, North Las Vegas

New York (6)

Buffalo, Catskill, Hudson, Ithaca, Jersey City, Rochester

Ohio (5)

Cincinnati, Cleveland, Columbus, Dayton, Logan

Oklahoma (3)

Broken Bow, Oklahoma City, Tulsa

Oregon (2)

Bend, Eugene

Pennsylvania (6)

East Stroudsburg, Lake Harmony, Philadelphia, Pittsburgh, Poconos, Tobyhanna

South Carolina (7)

Columbia, Folly Beach, Hilton Head, Mount Pleasant, Myrtle Beach, North Charleston, Surfside Beach

Tennessee (5)

Gatlinburg, Memphis, Nashville, Pigeon Forge, Sevierville

Texas (15)

Arlington, Austin, Corpus Christi, Crystal Beach, Dallas, El Paso, Fredericksburg, Frisco, Galveston, Houston, Irving, PLano, Port Aransas, San Antonio, South Padre Island

Utah (2)

Park City, Saint George

Virginia (3)

Hampton, Norfolk, Virginia Beach

Vermont (1)

Burlington

Washington (2)

Seattle, Spokane

Wisconsin (4)

Green Bay, Madison, Milawakuee, Milwaukee

Wyoming (1)

Jackson

Expanding your STR investments? Our lending partners offer market-specific expertise and can help you navigate financing options in additional high-performing locations.

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