Airbnb, VRBO & AirDNA Underwriting · LoanGod AI — God-Mode Underwriting for Sub-1.00x DSCR, Foreign National, ITIN, Layered LLCs & Condotels · Loan Daddy LLC (NMLS #2827624)

Short-Term Rental (STR) Loans — Airbnb, VRBO & AirDNA DSCR Financing

Direct Underwriting Answer: Short-Term Rental (STR) DSCR loans finance Airbnb, VRBO, and boutique vacation rentals up to 80% purchase LTV (75% refinance LTV) using Day-1 AirDNA market projections or trailing 12-month host payout statements.

Purchase Max LTV

80% LTV

Qualify Day-1 using AirDNA Rentalizer at 65th percentile.

Refinance Max LTV

75% LTV

100% credit for trailing 12-month Airbnb/VRBO payouts.

Min STR DSCR

1.15x – 1.25x

10-year interest-only available to boost coverage.

Property Types

SFR, Cabin, Condo

Condotels & resort condos eligible up to 70%–75% LTV.

Open AirDNA & STR Underwriting Workbench →View LLPA Pricing Matrix →Request Wholesale Term Sheet →