Home / DSCR / Airbnb and STR. The rent schedule can qualify it.
Updated September 2026
Short-term rental
Airbnb and STR. The rent schedule can qualify it.
Short-term rentals can be a THEMONEYDOOR DSCR file. We use a market or AirDNA-style rent schedule instead of a 12-month lease when the program allows it. Flexible DSCR explicitly allows short-term rentals, starting at 620 FICO, with reserves that start at three months. Overlays are tighter on LTV and reserves than a boring long-term lease. STR is eligible. It is not a rubber stamp.
The screen
| STR file | What changes |
|---|---|
| Income | Rent schedule, not a W-2 |
| Lease | Often none. A schedule stands in |
| FICO screen | Flexible DSCR starts at 620 |
| Reserves | Start at three months, often higher on STR |
| LTV | Tighter than a leased rental |
What we fund
- Airbnb and other short-term rentals
- Investors who operate in an LLC
- BRRRR exits into an STR
What we still need. Short list.
- Credit is still reviewed. A lower score changes leverage, it does not skip the file.
- Reserves and down payment, sourced.
- Appraisal plus a lease, market rent, or a short-term rent schedule.
- Entity documents if you close in an LLC.
Questions
Do I need a signed long-term lease?
Not when the program takes a short-term rent schedule. A leased property is still the cleaner, higher-leverage file.
Can the DSCR be under 1.0?
On Flexible DSCR, yes, if reserves and credit support it.
Is every Airbnb market eligible?
No. Market, occupancy rules, and the schedule still have to be confirmed.
Related
These are the guidelines we screen. They are not a promise that your file hits the maximum. Credit-event seasoning, occupancy, and property condition still have to be confirmed. Not a commitment to lend. We text. We do not call.