Can an Airbnb Qualify for a DSCR Loan Using AirDNA?
Yes. Some DSCR programs can qualify a short-term rental using projected revenue from AirDNA rather than requiring the borrower to prove personal income or produce a long-term lease. This is especially useful when you are buying an Airbnb that has not yet generated a full operating history under your ownership.
Get Brick Capital's current STR purchase structure:
Qualifying short-term rental purchases can use AirDNA projections and can go up to 80% LTV with 720+ FICO. No prior STR ownership experience is required for the program described in our current loan-program data.
How AirDNA Fits Into the DSCR Calculation
For a traditional long-term rental, DSCR often uses the monthly lease or appraiser market rent. Short-term rentals are different because revenue fluctuates by season and occupancy. AirDNA provides market-based estimates using comparable STR performance. The capital partner can use an eligible revenue figure from that analysis as part of the income side of the DSCR calculation.
Conceptually:
Projected qualifying rental income ÷ monthly PITIA = DSCR. The exact treatment of STR revenue can vary by program, so the scenario still has to be matched to the correct wholesale capital partner.
What Else Does the Property Need to Qualify?
- A market where short-term rental use is legally permitted or supportable.
- An appraisal that supports the value and marketability of the property.
- Enough projected revenue to support the payment at the requested loan amount.
- Credit that meets the selected program's FICO threshold.
- A property type that fits the capital partner's STR guidelines.
Do You Need Airbnb Experience?
Not necessarily. The current Get Brick Capital STR purchase program does not require prior short-term-rental experience. That makes it useful for investors moving from long-term rentals into Airbnb or buying their first vacation rental. The property and projected income still have to support the loan.
AirDNA Does Not Override Local STR Rules
A strong AirDNA revenue projection does not solve a local zoning or licensing problem. Before relying on short-term-rental income, confirm whether the city, county, HOA, or condominium documents allow the intended use. Some markets permit STRs broadly, while others restrict permits, cap rental nights, or prohibit non-owner-occupied short-term rentals.
Check an Airbnb Scenario
Send the property address and expected deal terms. We can tell you whether the STR program is a fit before a full application.
Submit Deal Summary →When a Long-Term Rent Estimate May Be Better
If the AirDNA projection is weak, the property may still work as a traditional rental. In some cases it makes sense to compare the short-term-rental structure with a long-term rental DSCR purchase using market rent. The better path depends on which income assumption supports the payment more comfortably and how you actually intend to operate the property.