Airbnb & Short-Term Rental DSCR Loans

DSCR loans are the preferred choice for Airbnb hosts and short-term rental investors because they focus on the income potential of the property—not your personal debt-to-income ratio. But here’s what most investors discover fast: not all DSCR lenders are created equal.

Most lenders fall into three categories:

1. Traditional DSCR lenders – They only fund long-term rentals.

2. Conservative “STR-friendly” lenders – They’ll do short-term rentals, but with restrictive rules like requiring 12 months of rental history or proof the property works as a long-term rental.

3. Forward-thinking DSCR lenders – Those who truly understand the Airbnb model and tailor programs for real STR investors.

That’s where Sizzle Capital Group stands out. We’re one of the few forward-thinking DSCR lenders who fully embrace the Airbnb and short-term rental space, helping investors qualify based on real revenue potential — not red tape.

Why Sizzle Capital Group Is Different:

✅ DSCR Qualification Using AirDNA Projections
We leverage AirDNA data to qualify Airbnb and STR properties based on their projected income — not what they’d earn as a long-term rental. This means more deals approved and more investors scaling faster.

✅ “AirBnBRRRR”-Friendly Refinance Options
We allow cash-out refinances after just one booking, not 12 months of rental history. That’s a game changer for investors using the BRRRR method to buy, rehab, rent, and refinance Airbnb properties fast.

✅ Seasonal, Vacation & Rural Markets Welcome
Many lenders shy away from vacation towns and seasonal markets. We don’t. Sizzle Capital Group funds Airbnb and short-term rental properties in vacation, seasonal, and rural markets — recognizing their potential for high returns, even with fluctuating occupancy.

At Sizzle Capital Group, we believe in flexibility, innovation, and saying yes when others won’t. Whether you’re growing your Airbnb portfolio or refinancing an established rental business, our Airbnb & Short-Term Rental DSCR Loan Programs are built to help you scale with speed and confidence.