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.
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.
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.
Questions About Short-Term Rental Financing
Everything Canadian investors need to know about financing US Airbnb and vacation rental properties.
Qualification & Income
Markets & Management
Setup & Operations
Setup & Operations (Continued)
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