Yes, increasingly — but it comes with more nuance than long-term rental income, and it's worth understanding before you assume a property's Airbnb numbers will sail through underwriting. How short-term rental income gets evaluated. Rather than a simple monthly lease amount, lenders typically look at either: (1) a market rent estimate from a short-term rental data provider (like AirDNA), (2) the property's actual trailing 12-month short-term rental income if it has an operating history, or (3) sometimes a blended approach using both. Which method a given lender uses varies significantly — this is one of the more lender-specific parts of DSCR underwriting right now. Why it's more scrutinized than long-term rent. Short-term rental income is inherently more volatile — seasonal...

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Generally, yes — DSCR loan rates typically run somewhat higher than comparable conventional investment property rates. But the comparison only makes sense once you understand what you're actually paying for. Why the rate is higher. Conventional lending prices risk based heavily on your personal financial profile — income stability, debt-to-income, employment history. DSCR lending has none of that information to work with. The lender is pricing risk almost entirely on the property and your credit score, which is a narrower risk picture, and narrower information typically gets priced with a premium. What you're actually trading for that premium: Speed — DSCR files often close faster since there's less documentation to chase down No cap on the number of financed properties...

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