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Can Airbnb income help you qualify?

A family walking outside the radius office

The short version: often, yes. Many DSCR programs count short-term rental income.

How lenders count it

Already renting it? Lenders may use your booking history, often the last 12 months.
Buying a new one? Lenders may use market data for similar rentals in the area.

Think full year, not peak summer

A Cape cottage, a lake house in New Hampshire or a place on the Maine coast can book solid in July and sit empty in February. Lenders look at the whole year, so you should too.

Before you buy

Check the town’s short-term rental rules and permits.
Budget for cleaning, management and furnishings.
Keep some savings for the slow months.

Run your numbers Investor glossary

Questions? Call or text me at 781-820-4249.

For educational purposes only. Not a commitment to lend. Programs, terms and eligibility vary and are subject to change.