What's AirDNA and why does it matter for STR DSCR?

AirDNA is a third-party data service that estimates projected short-term rental income for a specific property address based on comparable Airbnb/Vrbo listings. Most STR DSCR programs accept an AirDNA projection as proof of income for properties without a rental history — essential for new acquisitions.

Does the property have to be in an STR-legal zone?

Yes. Most California cities regulate short-term rentals heavily (Santa Monica prohibits unhosted STRs; LA requires permits; HOAs often restrict). STR DSCR lenders require documentation that the property is legally operable as a short-term rental before they'll fund.

Investor & Bridge

DSCR

Short-Term Rental DSCR (Airbnb)

Name: Francisco Williams — Mortgage Broker
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (213) 880-8107
Price range: $$

DSCR loan using projected short-term rental income (AirDNA or 12-month Airbnb/VRBO history).

Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.

Apply for this program (213) 880-8107

680

Min FICO

75%

Max LTV

dscr

Docs

Ideal borrower

STR operators with or without existing history.

Program highlights

AirDNA projection OR 12-month booking history accepted
Up to 75% LTV
Property must be in STR-legal zone

Typical uses

Airbnb purchase
Vacation-rental refinance

Frequently asked questions

What's AirDNA and why does it matter for STR DSCR?: AirDNA is a third-party data service that estimates projected short-term rental income for a specific property address based on comparable Airbnb/Vrbo listings. Most STR DSCR programs accept an AirDNA projection as proof of income for properties without a rental history — essential for new acquisitions.
Does the property have to be in an STR-legal zone?: Yes. Most California cities regulate short-term rentals heavily (Santa Monica prohibits unhosted STRs; LA requires permits; HOAs often restrict). STR DSCR lenders require documentation that the property is legally operable as a short-term rental before they'll fund.

Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.