Luxury STRs Create a Different Financing Problem
A high-value Airbnb or vacation rental can generate substantial gross revenue and still calculate below a standard DSCR threshold. Large loan balances, property taxes, insurance, HOA expenses, and the selected interest rate can all affect the ratio. The right financing path depends on whether the property fits a standard STR program or needs a more flexible option such as Program 7.
Standard STR Financing Can Use AirDNA
Get Brick Capital has multiple capital partners that accept AirDNA projected revenue for qualifying short-term rental purchases. Standard STR options can reach up to 80% LTV on qualifying files, with 680 as the minimum advertised FICO for the current standard STR options. Programs 2, 4, and 5 can accept first-time STR investors without prior STR experience.
What If the Luxury STR Does Not Meet the Standard DSCR?
Program 7 is a separate option. It has no minimum DSCR ratio requirement, can consider low FICO or no traditional FICO, supports qualifying purchases up to 75% LTV, and can reach qualifying loan amounts up to $10 million. Program 7 pricing is materially higher than standard-credit DSCR programs.
Standard STR
Up to 80% LTV
- 680+ minimum advertised FICO for current standard STR options
- AirDNA accepted by multiple capital partners
- No prior STR experience required on Programs 2, 4, and 5
- DSCR and program-specific income rules still apply
Program 7
Up to 75% Purchase LTV
- No minimum DSCR ratio requirement
- Low FICO or no traditional FICO can be considered
- Qualifying loan amounts up to $10 million
- Materially higher pricing than standard-credit programs
Luxury STR Does Not Fit the Standard DSCR?
We can compare the AirDNA-based standard STR options with Program 7 instead of forcing the property into one program.
Get a Quote →High-Value STRs We Can Review
AirDNA Is a Revenue Input, Not the Entire Loan Decision
AirDNA can support projected STR revenue on qualifying programs, but the final financing structure also depends on the purchase price, appraisal, requested loan amount, taxes, insurance, HOA, credit profile, liquidity, reserves, property type, and the capital partner's underwriting rules.
The Bottom Line
Luxury Airbnb financing should not be treated as one program. A strong file may fit a standard AirDNA-based STR option with higher leverage. A property that does not meet the standard DSCR threshold may fit Program 7 instead, including qualifying loan amounts up to $10 million and no minimum DSCR ratio requirement. Compare the standard STR options with the Program 7 STR path.