DSCR Purchase LoanShort-Term Rental.Qualify on AirDNA. No Experience Required.
- No prior STR experience required - first-time STR investors welcome
- AirDNA projections accepted for DSCR calculation
- Up to 80% LTV with 720+ FICO
- Airbnb, VRBO, and vacation rental properties all qualify
No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
Loan Programs
STR Purchase Programs
No income docs. AirDNA projections accepted on both programs.
Program 6 requires stronger DSCR (1.20+) but allows higher LTV at lower credit scores.
How STR Income Is Calculated
We use AirDNA market projections to determine your property's projected short-term rental income. If you have 12+ months of actual rental history, we can use that instead. No prior STR experience required.
STR DSCR Calculator
Monthly Income ÷ Total PITIA = DSCR
Principal + Interest + Taxes + Insurance + HOA
STR Income Research Tool
Estimate Your STR Income Before You Submit
Before submitting your deal, use AirDNA to estimate your property's projected short-term rental income. AirDNA analyzes comparable STR properties in your target market to project monthly revenue, the same data source we accept for DSCR qualification.
Enter your property address, review the projected income, then come back and submit your deal. We'll use that AirDNA projection to calculate your DSCR and size your loan.
Research your property on AirDNA to get projected monthly STR income
Note your projected monthly revenue. This is your qualifying rental income.
Submit your deal to Get Brick Capital with your AirDNA projection
Opens AirDNA in a new tab. Free market research available.
How AirDNA Income Qualifies
Accepted Income Source
AirDNA projections accepted in lieu of lease or rental history
How DSCR Is Calculated
Projected monthly income ÷ new loan PITIA = your DSCR ratio
Alternative Accepted
12+ months of actual STR platform history also qualifies
No Experience Required
First-time STR investors welcome. No prior Airbnb history needed.
Quick Example
Example only. Actual DSCR based on your appraisal and loan terms.
Real Deal Example
STR Purchase: How It Works
You're purchasing a 3-bedroom cabin in a vacation market for $420,000. AirDNA projects $4,800/month in gross rental income. You have a 720 FICO score. Program 1 at 80% LTV: Down payment: $84,000 (20%) Loan amount: $336,000 Monthly payment at 6.5%: $2,124 DSCR: 2.26×, strong qualification. No prior Airbnb experience required. AirDNA projections used for income calculation.
Deal Snapshot
Purchase Price
$420,000
AirDNA Income
$4,800/mo
LTV
80%
Down Payment
$84,000
DSCR
2.26×
STR Purchase FAQ
Ready to Buy Your STR?
No credit pull. Rates within 24 hours.