Loan Daddy LLC (NMLS #2827624): Loan Daddy LLC (NMLS #2827624) — Strictly Business-Purpose Investor Financing Only (DSCR, Hard Money, Private Money, Fix & Flip, Multifamily) for Non-Owner-Occupied Investment Properties. Not Available for Consumer Primary Residences.

1A · Interactive DSCR Ratio (Gross Rent / PITIA) & Cash-Out E
Short-Term Rentals (STR) · 8 Min Read · LoanDaddy App — Interactive DSCR Cash-Flow Underwriting, PITIA Modeling & 24-Hour Term Sheets

How Short-Term Rental (Airbnb, VRBO & AirDNA) Income Is Underwritten for DSCR Loans

Bottom Line Up Front (Quick Answer):Wholesale STR DSCR lenders accept three income documentation paths: (1) AirDNA Rentalizer market projections (for new acquisitions and conversions), (2) trailing 12-month Airbnb/VRBO/direct-booking payout statements (for seasoned STRs), or (3) an STR-specialized Appraiser Form 1007 rent schedule.

AirDNA Haircuts, Minimum Market Scores & Municipal Permit Verification

Most wholesale STR shelves apply a 0% to 20% haircut to AirDNA gross annual revenue projections and require an AirDNA Market Score of 60+ (or 50+ with 5% LTV reduction) plus verification that short-term rentals are legally permitted in the municipality and HOA.

Frequently Asked Questions

Can I refinance an Airbnb after 6 months of hosting history?

Yes. Several wholesale shelves accept 6-month trailing Airbnb/VRBO host payout ledgers annualized or blended with AirDNA projections.

More Quantitative Investor Guides

How Short-Term Rental (Airbnb, VRBO & AirDNA) Income Is Underwritten for DSCR Loans | LoanDaddy App — Interactive DSCR Cash-Flow Underwriting, PITIA Modeling & 24-Hour Term Sheets