Here's the trap STR owners hit: the property cash-flows beautifully, but the bank won't count nightly income — so the refi gets priced like an empty house, or declined. A DSCR refinance reads the deal the way you do: your actual Airbnb and VRBO income against the payment. If it covers, it qualifies — no tax returns, no W-2s, no explaining your write-offs. Cash-out to buy the next one, pay off expensive hard money, or lock better terms now that the property's proven itself.
Current balance for rate & term, or total including cash-out — ballpark is fine. Check your rate as of .
Rate & term, cash-out, or hard-money payoff
Best guesses are fine — the value sets your cash-out room.
Your best estimate is fine — it's confirmed later in the process.
This routes your scenario to the right programs.
Start typing and select your address — we verify it instantly so your refi options is accurate.
Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your refi options.
Your scenario is in. A loan specialist will price it against our DSCR lender network — with your real STR income in the file, not fought against it.
Fit is based on the answers you provided and is not a loan approval. Loan options are subject to verification, credit approval, and underwriting.
Whichever one you're running, the property's income carries the file.
No tax returns, no DTI, no arguing with a banker about what an Airbnb is.
Sixty seconds: value, balance, and the play — cash-out, rate & term, or hard-money payoff. No SSN, no documents.
~60 secondsYour actual short-term rental income — booking history, or short-term market-rent data for newer operations — runs against the new payment. If it covers, the deal works. Your personal income never enters the file.
1 business dayPick from matched options across 90+ lenders, close in your LLC or personal name, and put the equity to work — the next door, the renovation, or simply a cheaper payment.
You scaleBanks discount STR income harshly or refuse it, pricing your refi like a vacant house. DSCR lenders built for short-term rentals read actual booking history — the income you really earn is the income in the file.
Depreciation and expenses make a profitable STR look like a loss on your tax return. DSCR refis never look at your return — the subject property's income against its payment is the entire analysis.
The classic STR play: buy, furnish, prove the income, cash-out refi, buy the next one. The refi is the engine of the loop — and with 90+ lenders, door three prices like door one.
Bridge and hard-money loans got you in fast at a painful rate. Once the STR is running, a DSCR refi replaces them with long-term financing priced on performance — before the balloon comes due.
Same property, three very different conversations.
| DSCR · STR-awareBUILT FOR AIRBNBS | Bank refinance | Staying in hard money | |
|---|---|---|---|
| Counts real STR income | Yes — booking history or STR market data | Discounted or refused | Didn't ask |
| Tax returns required | No | Yes — 2 years | No |
| Typical rate | Long-term investor pricing | Good — if you qualify | 10-13%+ |
| Loan term | 30-year options | 30 years | 6-24 months, balloon |
| Cash-out available | Yes — to 75-80% LTV | Conservative | No |
| Close in an LLC | Yes — standard | Sometimes | Yes |
| Self-employed friendly | Completely — income never asked | Painful | Yes |
| Typical decision speed | Days | Weeks | — |
Your STR refi priced across 90+ lenders within one business day — no tax returns, no SSN, no hard pull.
Price My Refi Now