DSCR Purchase LoanShort-Term Rental.Standard STR and No-Minimum-DSCR Options.
- Standard STR options can reach up to 80% LTV with qualifying 680+ FICO scenarios
- AirDNA projected revenue accepted by multiple capital partners
- No prior STR experience required on Programs 2, 4, and 5
- Separate Program 7 purchase path can reach up to 75% LTV with low/no FICO and no minimum DSCR ratio requirement
No credit pull for the initial quote · Rates within 24 hours · Typical 28-day close with complete documentation
Get a Quote / See Your Options
STR Qualification
Two Different Ways an STR Purchase Can Fit
Get Brick Capital has standard STR programs that can use AirDNA or eligible operating history, plus a separate Program 7 path for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. These are separate options and their strongest features should not be combined automatically.
Standard STR Programs
Up to 80% LTV
Minimum advertised FICO: 680.
AirDNA accepted by multiple capital partners.
No prior STR experience required on Programs 2, 4, and 5.
Actual Airbnb or VRBO history can often be used when the selected program allows it.
Program 7
No Minimum DSCR Ratio
Qualifying purchases can reach up to 75% LTV.
Low FICO or no traditional FICO score can be considered.
No minimum DSCR ratio requirement.
Qualifying loan amounts can reach up to $10 million.
Program 7 is unavailable through Get Brick Capital in MN, ND, SD, MT, UT, and VT.
STR DSCR Calculator
Monthly Income ÷ Total PITIA = DSCR
Principal + Interest + Taxes + Insurance + HOA
STR Income Research Tool
Estimate Your STR Income Before Requesting a Quote
AirDNA can help estimate projected short-term rental revenue using comparable STR properties in the market. Multiple capital partners accept AirDNA-based projections for qualifying files.
If the property already has Airbnb or VRBO history, include that information in your quote request too. We can compare which accepted income method and capital partner fit the scenario best.
If the projected or historical rental income does not produce a qualifying DSCR under a standard program, Program 7 may provide a separate purchase path because it has no minimum DSCR ratio requirement.
STR Program Guardrails
Standard STR maximum purchase LTV: up to 80%
Standard STR minimum advertised FICO: 680
No prior STR experience: available on Programs 2, 4, and 5
AirDNA: accepted by multiple partners
Program 7 purchase maximum: up to 75% LTV
Program 7 minimum DSCR: no minimum ratio requirement
Program 7 maximum loan: up to $10 million
Illustrative Deal Example
STR Purchase: How the Numbers Can Work
Assume you are purchasing a short-term rental for $420,000 and the file qualifies for a standard STR program at 80% LTV. Loan amount at 80% LTV: $336,000. Down payment: $84,000 before closing costs and required reserves. If the file instead needs Program 7 because of low FICO, no FICO, or a weak DSCR ratio, the Program 7 purchase maximum is up to 75% LTV. The programs are separate and final approval depends on the complete file.
Deal Snapshot
Purchase Price
$420,000
Standard STR Example
80% LTV
Program 7 Max
75% LTV
Program 7 Min DSCR
None
STR Purchase FAQ
See Your STR Purchase Options
No credit pull for the initial quote. Rates within 24 hours.
Related Loan Programs
STR Purchase With No Minimum DSCR
Program 7 purchase path for qualifying low-FICO, no-FICO, or weak-DSCR STR scenarios.
Learn More →Long-Term RentalDSCR Purchase, LTR
Up to 85% LTV on qualifying LTR purchases with 740+ FICO.
Learn More →Bought CashDelayed Purchase
Program 1 delayed financing can recoup cash after an all-cash purchase.
Learn More →