The lenders that finance short-term rentals qualify the loan on the property's income, not your paycheck. These five write DSCR and vacation-rental loans that treat Airbnb revenue as the norm.
A DSCR loan — debt-service coverage ratio — is underwritten on whether the rental income covers the mortgage, which is why STR investors lean on it. The five below run from pure short-term-rental specialists to large national lenders that also do bridge and conventional loans. Rates and terms move constantly, so treat any number here as a starting point and get a live quote.
A DSCR lender built almost entirely around short-term rentals, qualifying loans on the property's Airbnb income instead of your paycheck.
Cavmir take: Roughly 95% of their book is short-term rentals — a real specialist, but not a full-service bank, so no owner-occupied or conventional products.
Visit Host Financial →One of the largest independent DSCR lenders in the country, with a dedicated vacation-rental program that qualifies on property cash flow.
Cavmir take: They do not lend everywhere (41 states), and the property has to be rent-ready — no fixer-uppers through the DSCR product.
Visit Visio Lending →A large, tech-driven private lender offering DSCR rental loans that qualify on property income across all 50 states.
Cavmir take: A general investor lender, not an STR specialist — it does not underwrite Airbnb projections the way dedicated STR lenders do, so it fits long-term rentals better. (Figure agreed to acquire Kiavi in 2026, so ownership is in transition.)
Visit Kiavi →A private lender whose EasyRent program was built around Airbnb and vacation-rental income, including properties with no operating history.
Cavmir take: They also run hard-money and bridge lending, so pin down the specific DSCR terms — and confirm current rates directly, since advertised figures move with the market.
Visit Easy Street Capital →A direct lender offering DSCR loans for Airbnb and short-term rentals in all 50 states, qualifying on projected or actual rental income.
Cavmir take: Roughly 60% of their volume is California, so their sweet spot skews West Coast — get a quote for your specific state before assuming they are the best fit.
Visit Griffin Funding →Cavmir is a marketing agency, not a mortgage broker or lender, and nothing here is financial advice. Loan terms, rates, and availability change constantly and vary by state and borrower — confirm everything directly with the lender before you rely on it.
Financing is one piece — occupancy, pricing, and how the property will actually market itself are the rest. If you are underwriting a purchase, we can pressure-test the revenue side of the model.
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