Finance Your Short-Term Rental
Like a Business
DSCR and LLC financing for Airbnb and Vrbo investors—plus organized property documentation for your CPA and cost-segregation provider.
Two specialized services.
One team built for STR investors.
DSCR & LLC Financing
Business-purpose mortgage brokerage for short-term rental properties. Qualification is based on projected or actual rental income—not your personal tax returns.
- No W-2 or personal income verification required
- Close in an LLC or other entity
- STR income may be used to support DSCR (lender-specific)
- AirDNA market rent accepted by many lenders
- Purchase, rate-term refi, and cash-out refi
- Multi-member LLC structures coordinated
STR Property Documentation
We prepare the organized, room-by-room property documentation your CPA and cost-segregation engineering firm need—so their work can begin faster and with better inputs.
- Guided SMS photo intake—no site visit required
- Room-by-room fixture and asset cataloging
- Formatted for CPA and engineering firm handoff
- Supports cost segregation and bonus depreciation analysis
- Useful for properties with OBBBA bonus dep. eligibility
- STR Advisors does not perform studies or assign classes
STR Advisors is a mortgage broker and documentation firm. We do not provide tax, legal, or accounting advice. Loan qualification is subject to lender underwriting. Documentation services support your CPA’s work—they do not constitute tax advice or guarantee any particular deduction.
STR investors who’ve outgrown conventional financing
Your W-2 income doesn’t reflect your real cash flow
DSCR loans evaluate the property’s income potential, not your personal returns. Many self-employed and high-deduction investors find DSCR a cleaner qualification path.
You want to hold the property in an LLC
DSCR loans are business-purpose instruments that can originate directly in an LLC—avoiding the complication of financing in your personal name and quit-claiming later.
You’re building a portfolio and need to scale
DSCR lenders typically do not impose the same portfolio loan count limits as conventional lenders. Each property is underwritten based on its own income, not your cumulative debt load.
Your CPA mentioned cost segregation—and you need the documentation
Cost segregation engineering firms need organized property data to begin their work. STR Advisors prepares that documentation file so your CPA and engineering firm can proceed efficiently.
Four steps from scenario to close
Submit Your Scenario
Tell us the property type, location, purchase price or current value, and your financing goal. Takes under two minutes.
STR Capital Review
We assess DSCR qualification based on market rent data, then match your scenario to lender programs that fit.
Application & Processing
We guide you through the application, collect the required documentation, and coordinate with the lender through underwriting.
Closing
Loan closes in your name or LLC. Documentation package can be initiated post-close or concurrent with the process.
What makes DSCR different from a conventional mortgage
Conventional mortgages evaluate your personal income—W-2, tax returns, debt-to-income ratio. DSCR loans are business-purpose instruments that evaluate whether the property’s income can service the debt.
DSCR stands for Debt Service Coverage Ratio. Most lenders look for a ratio at or above a threshold (often 1.0–1.25, depending on the lender and program). A DSCR at or above that threshold generally indicates the income may cover the payment—though every lender applies their own underwriting criteria.
Because these are business-purpose loans, they may be originated in an LLC and are generally exempt from consumer lending regulations under Reg Z §1026.3(a)—which is what enables the more flexible qualification structure.
Full DSCR Financing Overview →Bonus depreciation restored to 100%
For STR investors, this restoration may have meaningful implications for how a cost segregation study affects taxable income in the year a property is placed in service. Whether your STR property and tax situation can benefit—and how—is a determination that requires review by a qualified CPA. STR Advisors does not provide tax advice.
Our documentation service helps prepare the organized property records your CPA and cost-segregation engineering firm need to analyze the question. That’s the lane we operate in.
Partner with STR Advisors
Agents, CPAs, and financial advisors who work with short-term rental investors can add DSCR financing and cost seg documentation to their service offering.
Ready to run your STR scenario?
Submit a scenario through the STR Capital Review. No obligation, no hard sell—just a clear-eyed look at what may be possible for your property.