SHORT-TERM RENTAL FINANCING · LICENSED IN 14 STATES
Purchase or refinance a short-term or vacation rental on the property’s own income. No tax returns, no employment verification, and you can close in an LLC.
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Integrity Home Lending, LLC · NMLS #2412324 · Equal Housing Opportunity
DSCR loans are for investment/business purpose only. Not available for primary residences.
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Short-Term Rental Financing
A well-run short-term rental can out-earn the same property on a long-term lease, but conventional underwriting has no good way to count that income, especially on a purchase where you have no operating history yet. That mismatch is exactly what DSCR programs were built for: the loan qualifies on the property's income potential rather than on your personal tax returns, W-2s, or employment.
Integrity Home Lending works as a broker with wholesale investor lenders across 14 states, and short-term rental scenarios are where that matters most, because lenders disagree with each other about how to count short-term rental income. Which lender sees your deal can decide whether it qualifies at all.
Every DSCR loan compares the property's income to its monthly debt obligation. For a short-term rental, the entire question is which income number the lender will use:
The same property can qualify under one approach and fail under another. That is a large part of why we shop a short-term rental scenario across multiple programs rather than sending it to one desk: the choice of lender is effectively the choice of income number.
Short-term rental income is seasonal and operationally heavier than a lease, and lenders price that reality in. Expect somewhat more conservative treatment than an identical property on a long-term lease: some programs want a stronger coverage ratio or deeper reserves behind a short-term rental, and property type matters more. A standard single-family cabin or house is straightforward; condos in buildings with rental programs and other unusual property types are handled differently from one lender to the next.
Your operating costs, cleaning, management, and supplies, do not sit inside the loan's coverage ratio, but they decide whether the property actually makes money. Underwrite your own deal at least as hard as the lender underwrites the loan.
Nothing in the loan replaces your own diligence on whether the property may legally operate as a short-term rental. City and county permit regimes, occupancy rules, and HOA or condo restrictions all bind the property regardless of how it is financed, and an association restriction is the single most common way a short-term rental plan falls apart after closing. We underwrite the loan; we do not verify local ordinances or association rules for you.
State law matters too, and it varies more than most investors expect. Our Florida and Tennessee pages cover two of the most active short-term rental markets we lend in, including the state-law details that decide deals in each.
The same DSCR structure works at every stage of a short-term rental strategy: purchasing the property, refinancing out of a renovation loan once the property is stabilized and earning, or a cash-out refinance that pulls accumulated equity back out to fund the next acquisition. If the property is stabilized with documented short-term rental revenue, that operating history often improves the income figure a lender will use compared to when you bought it.
Program parameters, including credit and reserve requirements, penalty structures, and how a given lender treats rental income, are determined by the wholesale lender and are subject to underwriting approval. Market characterizations are general, are drawn from third-party data and public sources, and are not projections or a representation about any specific property. Nothing on this page is legal, tax, or investment advice; confirm current law and local rules with your own advisors.
Yes. For a purchase with no operating history, some lenders will qualify the property using a short-term rental income projection from a recognized market data source, and others will use the appraiser's long-term market rent. Which approach a lender takes can decide whether the deal qualifies, so the scenario is worth pricing across more than one program.
Some will, if it is documented. Lenders that underwrite from operating history typically want trailing revenue substantiated through platform statements or management reports. Strong documented history in a proven market usually produces a better income figure than a projection, which is one reason refinancing a stabilized short-term rental can pencil better than the original purchase did.
Yes. DSCR loans are business-purpose loans and routinely close in the name of an LLC, LP, or corporation, which most short-term rental operators prefer for liability separation. Tax returns, W-2s, and employment verification are not part of the file either way.
Be careful here. DSCR loans are business-purpose loans for investment properties, and meaningful personal use pushes a property toward second-home territory, which is a different product with different rules. If your real plan is a vacation home you sometimes rent, tell us that up front so we can point you at the right financing rather than the wrong one.
Integrity Home Lending is licensed in 14 states: Alaska, Alabama, Colorado, Florida, Georgia, Maryland, Mississippi, North Carolina, New Jersey, Oklahoma, Pennsylvania, South Carolina, Tennessee, and Virginia. The property must be located in one of those states; where you live does not matter.
Tell us the property, the market, and whether it has operating history. We will run the scenario across lenders that count short-term rental income differently, and a licensed loan officer from our team responds within one business day.
Equal Housing Opportunity
Integrity Home Lending, LLC | NMLS ID # 2412324 (www.nmlsconsumeraccess.org) | 877-445-3631 | 7185 Colfax Ave #100-F, Cumming, GA 30040
Licensed in: AK (AK2412324), AL (23350), CO (2412324), FL (MLD 2366), GA (2412324), MD (2412324), MS (2412324), NC (L-216384), NJ (2412324), OK (MB018168), PA (112728), SC (2412324), TN (2412324), VA (MC-7702).
DSCR loans are non-QM, business-purpose loans. For investment/business purpose only. Not available for primary residence or for personal, family, or household use. This is not a commitment to lend. Terms, rates, and eligibility are subject to underwriting approval and may vary. Rental income figures and market characterizations are general information drawn from third-party sources, are not projections, and are not a representation about any specific property. Integrity Home Lending, LLC is a licensed mortgage lender and broker and is not a bank, credit union, or depository institution, and is not affiliated with or endorsed by any government agency.
