Airbnb, VRBO & AirDNA Underwriting · XLoans AI — Algorithmic Structuring for High-Leverage DSCR, ITIN, Foreign National & Cross-Collateral Deals · Loan Daddy LLC (NMLS #2827624)
Short-Term Rental (STR) Loans — Airbnb, VRBO & AirDNA DSCR Financing
Direct Underwriting Answer: Short-Term Rental (STR) DSCR loans finance Airbnb, VRBO, and boutique vacation rentals up to 80% purchase LTV (75% refinance LTV) using Day-1 AirDNA market projections or trailing 12-month host payout statements.
Purchase Max LTV
80% LTV
Qualify Day-1 using AirDNA Rentalizer at 65th percentile.
Refinance Max LTV
75% LTV
100% credit for trailing 12-month Airbnb/VRBO payouts.
Min STR DSCR
1.15x – 1.25x
10-year interest-only available to boost coverage.
Property Types
SFR, Cabin, Condo
Condotels & resort condos eligible up to 70%–75% LTV.