DSCR Airbnb & Short-Term Rental Loans
Finance your Airbnb, VRBO or vacation rental based on how the property performs, with guidance built around short-term rental income.
Built for short-term rental investors
Short-term rentals earn income differently from a 12-month lease. A DSCR Airbnb/STR loan looks at the property’s rental performance so you can finance a vacation or short-term rental without leaning on personal tax returns.
- Financing for Airbnb, VRBO and other short-term rentals
- Qualification centered on the property’s rental income
- Purchase and refinance options for eligible properties
- Local knowledge of Ohio, Florida and Tennessee rental markets
Why investors choose DSCR Airbnb / STR
Short-term income counts
Programs may consider short-term rental revenue and market data, depending on guidelines.
Less paperwork
Focus on the property’s performance instead of personal income documentation.
Scale across markets
Build a portfolio across vacation, tourist and business-travel markets.
Experienced guidance
Work with a loan officer who understands investor strategy and short-term rental structures.
Who it is for
- Investors buying a first or additional Airbnb or vacation rental
- Hosts who want to refinance an existing short-term rental
- Investors converting a long-term rental to short-term
- Self-employed borrowers with complex income documentation
Financing that fits your hosting strategy
Florida vacation markets
Coastal, theme-park and resort-area rentals with strong seasonal demand.
Tennessee getaways
Smoky Mountain cabins and Nashville-area stays popular with short-term guests.
Ohio destinations
Lake Erie, Hocking Hills and city rentals that attract weekend and event travelers.
DSCR financing in Ohio, Florida & Tennessee
Justus Sharp is licensed in all three states, so you work with one lender-direct team whether your next property is in the Buckeye State, the Sunshine State or the Volunteer State.
Ohio
Home base. Justus and the team are based in Grove City and know Columbus-area and statewide rental markets.
Florida
Long-term rentals, vacation properties and short-term rentals across Florida's investor markets.
Tennessee
Growing investor demand from Nashville to Knoxville, including Airbnb and mid-term rental strategies.
DSCR Airbnb / STR questions answered
What is a DSCR Airbnb/STR loan?
It is a DSCR loan for short-term rental properties where qualification focuses on the property’s rental income, not the borrower’s personal tax returns.
What income can be used to qualify?
This varies by program. Options may include actual rental history or projected income supported by market data. Justus will explain what applies to your property.
Can I use it to buy and to refinance?
Yes. DSCR Airbnb/STR financing may be available for both purchases and refinances, depending on the property and program.
Are local short-term rental rules a factor?
They can be. City and HOA rules on short-term rentals matter for any investor, so confirm they allow your intended use before you buy.
Which states do you serve for this program?
Justus Sharp is licensed in Ohio, Florida and Tennessee, among other states. Reach out to confirm availability for your property.
Program availability, rates, terms and qualification requirements vary by borrower, property and state, and are subject to change without notice. This is not a commitment to lend.
Explore our other investor loans
Ready to scale your rental portfolio?
Tell us about the property and your goals. Justus and the team will help you find the right DSCR structure.