Airbnb & Short-Term Rental Financing for Canadians

Finance US short-term rental properties with DSCR loans that accept Airbnb, VRBO, Booking.com, and direct booking income for qualification.

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Short-Term Rentals

Higher Revenue, Flexible Financing

Short-term rentals can generate 2-3x the income of traditional long-term rentals in the right markets. DSCR lenders recognize this — accepting platform income and projections to qualify your deal.

STR

Income Accepted

AirDNA

Data Analysis

25%

Minimum Down

30yr

Fixed Rates

Airbnb & VRBO Income Qualification

DSCR lenders accept short-term rental income from all major platforms. For new acquisitions, lenders use AirDNA projections based on comparable properties.

AirDNA Market Analysis

We use AirDNA data to project nightly rates, occupancy rates, and annual revenue for your target property before you make an offer.

Higher Revenue Potential

Short-term rentals often generate 2-3x the income of long-term rentals in tourism markets like Orlando, Gatlinburg, and beach towns.

No US Credit Required

Foreign national DSCR programs for STR properties require no US credit score, no SSN, and no US employment documentation.

Close in Your LLC

Hold your STR in a US LLC for liability protection — especially important given higher guest turnover and exposure.

STR Regulation Research

We help verify that your target property is in an STR-friendly market with favorable local regulations before you commit.

Looking at an Airbnb investment?

Let's run the AirDNA numbers and check DSCR qualification.

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STR Financing Requirements for Canadian Investors

Short-term rental DSCR loans have a few additional considerations. Here is what Canadian investors need to qualify.

Requirements

Valid Canadian passport for identity verification.
Minimum 25-30% down payment in USD.
AirDNA revenue projection or 12 months of actual booking data.
Property must achieve a minimum DSCR of 1.0-1.25 using STR income.
STR regulation compliance — property must be in a permitted jurisdiction.
Specialized STR insurance policy covering guest liability and damage.
US LLC formation recommended for enhanced liability protection.

How We Help

We run AirDNA analysis projecting rates and revenue to verify qualification.
We research local STR regulations and permit requirements.
We match your deal with DSCR lenders who specifically accept STR income.
We coordinate LLC formation and US bank account setup.
Access programs that accept AirDNA projections for new acquisitions.
We compare revenue potential across different US STR markets.
We provide referrals to specialized managers, agents, and furnishing teams.
Post-closing, we assist with refinancing once you have strong booking data.

FAQ

Questions About Short-Term Rental Financing

Everything Canadian investors need to know about financing US Airbnb and vacation rental properties.

Qualification & Income

Yes. Many DSCR lenders accept short-term rental income from platforms for qualification, using AirDNA market data for new acquisitions.

It's calculated using annualized rental income projections, factoring in seasonal fluctuations and vacancy rates.

Markets & Management

Markets with strong tourism demand and friendly regulations, such as parts of Florida, Tennessee, Arizona, and Texas.

No. Most use local management companies specializing in short-term rentals for day-to-day operations.

Setup & Operations

Properties must be guest-ready. For a 2-3 bedroom property, expect to spend $10,000-$25,000 on furnishings.

Lenders annualize projections to smooth out peaks and valleys using historical 12-month market data.

You need a specialized STR policy covering guest injury, damage, and loss of income (standard policies aren't enough).

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