DSCR Lenders
🏦 DSCR Lenders
DSCR (Debt Service Coverage Ratio) lenders qualify you based on the property's rental income, not your personal W-2. Critical for STR investors with self-employed income or expanding portfolios. Pick a lender that underwrites Airbnb income correctly using AirDNA data — most general lenders default to long-term rent comps, which severely understate STR cash flow.
5 providers
D
Defy Mortgage
NATIONAL · NON-QM
Specializes in DSCR loans for STR investors. Underwrites Airbnb income directly using AirDNA. Headquartered in Nashville, TN with nationwide lending.
✓ Min FICO 680
✓ Min DSCR 1.20
✓ 20% down on purchases
✓ Approves Airbnb income
CoverageAll 50 states
Rates 7.5–9%Get Quote →
V
Visio Lending
NATIONAL · DSCR
Largest independent originator of DSCR loans since 2012. Entity-friendly, no DTI requirement, over a decade of investor lending experience.
✓ Min FICO 680
✓ Min loan $150K
✓ LLC titling allowed
✓ No personal income docs
CoverageAll 50 states
Rates 7.5–8.75%Get Quote →
K
Kiavi
NATIONAL · DSCR
Tech-forward DSCR lender with fast digital underwriting. Closes loans in 10–15 days. Up to 80% LTV on rental properties.
✓ 10–15 day closes
✓ Up to 80% LTV
✓ Digital application
✓ Up to 10 properties
CoverageAll 50 states
Rates 7.5–9%Get Quote →
E
Easy Street Capital
NATIONAL · STR SPECIALIST
EasyRent program built specifically for Airbnb and vacation rental income. Lowest credit minimum among dedicated STR lenders. Lends in all states except NV, ND, SD.
✓ Min FICO 640
✓ STR-first underwriting
✓ Loans $100K–$3M
✓ Uses AirDNA
Coverage47 states (not NV/ND/SD)
Rates 8–10%Get Quote →
T
TheLender
NATIONAL · DSCR
Three different methods to underwrite STR income — traditional 1007 with STR rents, AirDNA reports, and proprietary STR market analysis. No lender fees on many products.
✓ No lender fees
✓ Min FICO 620
✓ Up to 80% LTV
✓ 30-day average close
CoverageAll 50 states
Rates 7.5–9%Get Quote →
DSCR Lenders
🏦 DSCR Lenders
DSCR (Debt Service Coverage Ratio) lenders qualify you based on the property's rental income, not your personal W-2. Critical for STR investors with self-employed income or expanding portfolios. Pick a lender that underwrites Airbnb income correctly using AirDNA data — most general lenders default to long-term rent comps, which severely understate STR cash flow.
5 providers
D
Defy Mortgage
NATIONAL · NON-QM
Specializes in DSCR loans for STR investors. Underwrites Airbnb income directly using AirDNA. Headquartered in Nashville, TN with nationwide lending.
✓ Min FICO 680
✓ Min DSCR 1.20
✓ 20% down on purchases
✓ Approves Airbnb income
CoverageAll 50 states
Rates 7.5–9%Get Quote →
V
Visio Lending
NATIONAL · DSCR
Largest independent originator of DSCR loans since 2012. Entity-friendly, no DTI requirement, over a decade of investor lending experience.
✓ Min FICO 680
✓ Min loan $150K
✓ LLC titling allowed
✓ No personal income docs
CoverageAll 50 states
Rates 7.5–8.75%Get Quote →
K
Kiavi
NATIONAL · DSCR
Tech-forward DSCR lender with fast digital underwriting. Closes loans in 10–15 days. Up to 80% LTV on rental properties.
✓ 10–15 day closes
✓ Up to 80% LTV
✓ Digital application
✓ Up to 10 properties
CoverageAll 50 states
Rates 7.5–9%Get Quote →
E
Easy Street Capital
NATIONAL · STR SPECIALIST
EasyRent program built specifically for Airbnb and vacation rental income. Lowest credit minimum among dedicated STR lenders. Lends in all states except NV, ND, SD.
✓ Min FICO 640
✓ STR-first underwriting
✓ Loans $100K–$3M
✓ Uses AirDNA
Coverage47 states (not NV/ND/SD)
Rates 8–10%Get Quote →
T
TheLender
NATIONAL · DSCR
Three different methods to underwrite STR income — traditional 1007 with STR rents, AirDNA reports, and proprietary STR market analysis. No lender fees on many products.
✓ No lender fees
✓ Min FICO 620
✓ Up to 80% LTV
✓ 30-day average close
CoverageAll 50 states
Rates 7.5–9%Get Quote →