Buying an Airbnb?Weak DSCR or No FICO?Program 7: Up to 75% LTV., Short-Term Rental Purchase With No Minimum DSCR Ratio
- No minimum DSCR ratio requirement on Program 7
- Low FICO or no traditional FICO score can be considered
- Qualifying STR purchases can reach up to 75% LTV through Program 7
- Qualifying Program 7 loan amounts can reach up to $10 million
Program 7 can create a purchase path when a short-term rental does not meet a traditional minimum DSCR threshold.
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Why This Matters for STR Buyers
An STR Can Be a Good Deal Even When the DSCR Ratio Is Weak
Standard short-term rental programs often rely on AirDNA projections or eligible operating history to support the property's debt-service coverage. Program 7 is a separate path for qualifying purchases that does not impose a minimum DSCR ratio requirement. That can be useful when the property's projected rent does not produce the ratio required by a standard program.
Standard STR vs Program 7
Standard STR Options
Up to 80% LTV
- 680+ minimum advertised FICO for the standard STR options.
- 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
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.
- Pricing is materially higher than standard-credit DSCR programs.
When Program 7 May Be Worth Comparing
Program 7 State Availability
Program 7 is effectively available through Get Brick Capital in 44 states. It is unavailable in Minnesota, North Dakota, South Dakota, Montana, Utah, and Vermont. Get Brick Capital's overall footprint remains 46 states, but Program 7 is narrower because Minnesota and Vermont are excluded by the Program 7 capital partner.
STR No Minimum DSCR FAQ
Buying an STR That Does Not Meet a Standard DSCR Ratio?
Submit the purchase scenario and compare Program 7 with the standard STR options.
Related Loan Programs
DSCR Short-Term Rental Purchase
Compare AirDNA-based standard STR options with Program 7.
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