Finance your Airbnb, VRBO, or seasonal rental property using projected short-term rental income. No tax returns required.
Traditional lenders often struggle with vacation rental income — it's seasonal, variable, and doesn't fit neatly into conventional underwriting. DSCR loans are different. We understand that a Jersey Shore property might generate most of its income in summer, and we can work with that.
Our programs accept projected income based on comparable short-term rentals in your market. Whether you're using data from AirDNA, actual Airbnb listings, or an appraiser's rental analysis, we can help you qualify based on what the property can realistically earn.
This makes DSCR loans ideal for investors targeting high-demand vacation markets like Point Pleasant, Long Beach Island, Cape May, and other Jersey Shore destinations.
Use AirDNA data, comparable listings, or appraiser projections
Qualify on the property, not your personal income
We annualize seasonal income appropriately
We know the NJ vacation rental market inside and out
We can use platforms like AirDNA or comparable Airbnb/VRBO listings to project realistic rental income for your property based on location, size, and amenities.
The appraiser completes a rental analysis estimating market rent. For short-term rentals, this considers seasonal rates and typical occupancy.
If the property has existing STR income, we can use actual booking history and platform statements to document proven performance.
Point Pleasant, Seaside Heights, Long Beach Island, Ocean City, Cape May, and Wildwood offer strong seasonal rental income. Summer weekly rates can cover months of mortgage payments.
Lake Hopatcong, Vernon (Mountain Creek), and Poconos-adjacent areas attract year-round visitors for skiing, hiking, and lakefront getaways.
Jersey City, Hoboken, and Newark properties near NYC transit see strong demand from business travelers and tourists. Check local STR regulations before investing.
Use our DSCR calculator to estimate if your property's projected rental income covers the mortgage payment.
Yes, with a DSCR loan you can qualify using Airbnb, VRBO, or other short-term rental income. We accept projected income from platforms like AirDNA, comparable listings, or actual booking history from your property. Traditional lenders often reject STR income, but DSCR loans are designed to work with it.
Yes, most DSCR lenders allow short-term rentals including Airbnb, VRBO, and seasonal vacation rentals. Some lenders may have restrictions on minimum lease terms, but we work with programs specifically designed for STR investors. Always verify local regulations for short-term rentals in your target market.
For seasonal properties like Jersey Shore rentals, we annualize the income appropriately. If you can show strong summer booking rates that cover annual expenses, the property can qualify. We look at the full year picture, not just peak season, using comparable market data or actual rental history.
Yes, DSCR loans allow projected income for properties without rental history. The appraiser or third-party data sources (AirDNA, comparable Airbnb listings) can estimate market rent. This makes DSCR ideal for purchasing vacation rentals you plan to list on Airbnb or VRBO.
Our team specializes in Jersey Shore and vacation rental financing. Get a free quote today.
Or call 800.778.9044 to speak with Carlos and our DSCR team.
