Short-Term Rentals

Airbnb & short-term-rental loans

Mortava finances Airbnb and short-term-rental properties with STR DSCR loans that qualify on the property's short-term income rather than your tax returns. Using market revenue data or operating history, you can borrow up to 85% LTV with no W-2s or DTI — and close in an LLC.

Get a Live Term Sheet → Soft inquiry only — no hard credit pull.

Max leverage

Up to 85% LTV

Income basis

Short-term rental revenue

Docs

No tax returns or DTI

Terms

30 & 40-yr fixed & IO

Program terms reviewed by Jay Beach, SVP Investor Portfolio Lending · July 2026

How STR income qualifies you

Instead of a long-term lease, an STR loan uses projected or actual short-term revenue — drawn from market data (AirDNA-style comps) or a 12-month booking history — and applies DSCR math: revenue versus the payment. Seasonal income may get a conservative haircut.

Best STR markets

Demand concentrates in tourism and no-income-tax states — Florida, Tennessee, Nevada, the Carolinas, Colorado, Utah, and Montana gateway towns. Always confirm the city's short-term-rental regulations before buying.

Frequently asked questions

Can I get a loan for an Airbnb?

Yes. STR DSCR loans qualify short-term rentals on their rental income using market data or operating history — no tax returns required.

How is Airbnb income calculated?

Lenders use market revenue data (AirDNA-style comps) or actual booking history, then apply DSCR math: short-term revenue versus the payment.

Can I close an STR loan in an LLC?

Yes — these are business-purpose loans and can be vested in an LLC.

Airbnb/STR DSCR guide →DSCR in Florida →