DSCR Loans Direct | Short-Term Rental

Maximize Your Investments

Short-Term Rental

Secure flexible, investor-focused financing designed for Airbnb and VRBO properties. Our DSCR loans offer quick approvals and dependable terms, making it easier to expand your portfolio or refinance your vacation rentals. Fill out the form below to get started.

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(866) 791-4411

UP TO

6.325%

RATES FROM*

80%

LTV

10-14

DAY CLOSE

30, 40yr

I/O OPTION

$75k up to $2M

Step 1: Submit Your Deal

Short-Term Rental

Benefits

Why Choose Our Short-Term Rental Loans?

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(866) 791-4411

DSCR Loans Direct's Short-Term Rental (STR) loans are specifically designed for investors with income-generating properties on platforms like Airbnb and VRBO. By leveraging rental income potential, our loans offer a streamlined path to funding, empowering you to expand your portfolio and maximize your rental income. With DSCR Loans Direct, you’ll benefit from quick access to capital, allowing you to seize new opportunities and efficiently manage your property investments.

Tailored for Real Estate Investors

Are We a Good Fit?

Our Short-Term Rental loans, structured as DSCR products, are tailored for investors focused on generating consistent income from rental properties. To qualify, you’ll need:

Experience

First time investor allowed

Credit Score

Minimum of 660

Liquidity/Reserves

20% down payment with 1–3 months of reserves.

Property Type

Single-family homes (SFR), condos, townhomes, or 2–4 unit residential properties.

Additional Requirements

Non-owner-occupied properties, no seasoning requirement, blanket loan options available, and rural properties accepted.

Get Started

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Begin your journey to homeownership today!

Apply Now!

(866) 791-4411

Key Loan Terms for Real Estate Investors

STR Loan Highlights

Transparent and Investor-Focused Loan Terms

Product Type

DSCR (LTR, STR)

Experience Required

First time investor allowed

Minimum Credit Score

660

Liquidity/Reserves

20% Down, 1–3 Months Reserves

Prepayment Penalty

Optional

Closing Timeline

10 to 22 Days

Rate

6.325%

Loan-to-Value (LTV)

N/A

Cash Out Loan-to-Value (LTV)

80%

Loan Term

30, 40 Years or Interest Only

Asset Types

SFR, Condo, Townhome, 2–4 Units

Loan Amounts

$75,000 to $2,000,000

Product Specifics

Non-owner-occupied, no seasoning requirement, blanket loan options

Number of Units

1 to 4 Units

Apply Now!

(866) 791-4411

Our Core Values: What Makes Us Different

Simplified Process: Financing should be easy. We offer a seamless experience so you can focus on growing your portfolio.
Dependable Partners: At DSCR Loans Direct, transparency and trust are at the core of everything we do.
Quick Turnarounds: Timing matters. We close deals in 10–22 days, helping you capitalize on opportunities without delay.
Tailored Expertise: Our team understands the nuances of vacation rental investments, offering solutions that align with your goals.

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(866) 791-4411

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

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(866) 791-4411

About

About DSCR Loans Direct

At DSCR Loans Direct, real estate is more than a business — it’s a lifelong passion. I grew up in a private lending family and spent the last 40 years hands-on in real estate investing, from light cosmetic updates to full property renovations and long-term rental holdings. I know what it takes to get projects across the finish line because I’ve been in your shoes.

With certifications as a PMP, Scrum Master, and Agilist 5, I combine real-world experience with structured project management. My goal is simple: to provide fast, flexible, and honest financing that helps investors succeed — just like I would want for myself.

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(866) 791-4411

Recently Funded deals

Deal Type	Address	Loan Amount
Fix & Flip	10524 Catalina Pl, White Plains, MD 20603	$140,000
Fix & Flip	3034 Lundt, Waldorf, MD 20603	$300,000
Fix & Flip	7256 Joplin S, Capital Heights, MD 20743	$120,000
Fix & Flip	Ridgway Ave, Durham, NC 27701	$25,000
Fix & Flip	327 Whittier St, Washington, DC 20012	$340,000