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AirDNA income qualification
STR income assessed on AirDNA trailing 12-month data and market rent comparables — not a bank statement average.
STR portfolio · AirDNA income · No tax returns
STR Portfolio Blanket DSCR Loan finance multiple Airbnb & vacation rentals in one loan
CR Equity AI's STR portfolio blanket DSCR loan consolidates multiple short-term rentals under one loan. Income qualified on AirDNA market data and 12-month actuals — not W-2s or tax returns. Purpose-built for STR operators with 2–50 vacation rental properties.
- 2+
- STR properties minimum
- $500K–$10M+
- Loan amount
- None
- Tax returns required
- 5–19 days
- Typical close
Why STR operators choose CR Equity AI
Conventional lenders don't know what to do with seasonal Airbnb revenue. CR Equity AI uses AirDNA market data to assess what your STR portfolio actually earns across the full seasonal curve — not a slow-month snapshot.
Blended DSCR means your peak performers absorb the slow seasons. One loan, one payment.
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Blended DSCR absorbs slow seasons
A beach property's July peak and February trough blend with your other STRs. Seasonal dips don't kill the deal.
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No tax returns or W-2s
Income is assessed from booking histories, AirDNA data, and operator-provided P&Ls — not personal returns.
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AIVAA™ property evaluation
Each property is assessed through AIVAA for value and STR market rent benchmarks, delivered in hours, not weeks.
STR Portfolio Blanket DSCR Loan from a direct lender
Two or more vacation rentals. One loan. AirDNA income qualification. No tax returns, no W-2s.
CR Equity AI assesses each STR through AIVAA for value and market rent benchmarks calibrated to STR data. From term sheet to close in 5–19 days.
- Loan Amount
- $500K – $10M+
- Minimum Properties
- 2 STR properties
- LTV — Purchase
- Up to 65–70%
- LTV — Rate/Term Refinance
- Up to 70–75%
- LTV — Cash-Out Refinance
- Up to 65–70%
- Minimum Blended DSCR
- Typically 1.0–1.15x
- Minimum Credit Score
- Typically 680+
- STR Income Assessment
- AirDNA market data + trailing 12-month actuals
- Tax Returns
- None required
- Rate Range
- 8.25–10.50% (indicative, October 2026)
- Loan Term
- 5, 7, 10, 30-year options
- Amortization
- 30-year; interest-only periods available
- Property Types
- SFR vacation rental, STR-permitted condo, 2–4 unit STR
- STR License Required
- Yes — valid permit/license for each property's jurisdiction
- Entity
- LLC, LP, corporation
- Close Time
- Generally 5–19 business days
Which STR properties qualify
Business-purpose blanket DSCR loans for operators holding 2 or more short-term rental properties with valid local STR permits.
| Status | Situation |
|---|---|
| Eligible | 2 or more short-term rental properties |
| Eligible | Single-family vacation rentals, STR-permitted condos, 2–4 unit STR properties |
| Eligible | LLC, LP, or corporate entity — business-purpose loan |
| Eligible | STR properties with valid local STR permit/license in each jurisdiction |
| Eligible | Multi-market portfolios (Smoky Mountains + Scottsdale + Destin, for example) |
| Eligible | 680+ credit score (affects rate pricing) |
| Eligible | New STR acquisitions without full history — qualified on AirDNA market data |
| Not eligible | Primary residences or second homes used for personal use |
| Not eligible | Properties in markets with active STR bans or where operator lacks a valid STR license |
| Not eligible | HOA properties that prohibit short-term rental use (CC&Rs reviewed at origination) |
| Not eligible | Hotels and transient lodging facilities (commercial designation) |
| Not eligible | Single STR property (this program requires 2+ minimum) |
For mixed portfolios (STR + long-term rentals), see the Portfolio & Blanket DSCR loan, which accommodates blended property type pools.
When an STR blanket loan fits
Multi-market STR operator
Properties in the Smokies, Scottsdale, and Destin under one loan — one servicer, one payment, one set of documents.
Seasonal income smoothing
A beach property's slow February is blended with peak performers. Seasonal dips don't disqualify the portfolio.
New STR without 12-month history
Qualify on AirDNA market data for new acquisitions. Existing performers in the same portfolio submission strengthen the assessment.
Consolidate individual STR DSCR loans
Replace multiple STR loan servicers with one blanket loan. Stop juggling five payment dates and five insurance renewals.
Bulk STR acquisition
Acquiring 5–15 vacation rentals at once? A blanket loan is far more practical than originating 15 individual STR DSCR loans simultaneously.
Frequently Asked Questions
Straight answers on AirDNA income, STR licensing, blended DSCR, and multi-market portfolios.
CR Equity AI uses AirDNA trailing 12-month gross revenue data and operator-provided booking histories. For new STR acquisitions without 12 months of history, income is qualified on AirDNA market comparables for similar properties in the same zip code. Net income for DSCR = gross STR revenue minus platform fees, management fees, taxes, insurance, and a vacancy reserve.
Yes. The platform used for listing does not affect eligibility. Income from Airbnb, VRBO, Hipcamp, direct bookings, or any combination of platforms is considered. Documentation requirements are the same regardless of platform.
Yes. New STR acquisitions or recently converted properties without 12 months of history are assessed using AirDNA market data for comparable properties in the same market. Having at least some properties with established track records in the same portfolio submission strengthens the overall assessment.
Yes. Each property in the pool must hold a valid STR permit or license for its jurisdiction. Operating without a valid license is a policy violation that typically disqualifies the property. CR Equity AI reviews licensing as part of due diligence.
An anomalous year can be explained and documented. AirDNA market-based income assessments can supplement or replace anomalous trailing data. Provide context with your submission and let the team assess it on a case-by-case basis.
A minimum credit score of approximately 680 is typical for the STR blanket DSCR program. Scores above 720 access better rate pricing. Credit score is one factor among several — blended DSCR and LTV also significantly influence terms.
Yes. A single STR blanket loan can cover properties across multiple states, subject to CR Equity AI's lending footprint in each state. Multi-state portfolios may require additional title work in each jurisdiction.
Each property must carry a short-term rental insurance policy (standard homeowners insurance typically excludes commercial or STR use). Proof of coverage from an STR-specific carrier is required at origination.
Property additions post-close are subject to lender approval and may require a loan modification. If portfolio expansion is anticipated, discuss addition provisions at origination — not all blanket structures accommodate additions.
Generally $500,000 combined loan amount. Smaller STR portfolios with lower combined values may be better served by individual STR DSCR loans.
One loan for your entire vacation rental portfolio.
AirDNA income qualification. No tax returns. No W-2s. Get an STR portfolio quote in 60 seconds.
- 2+
- STR properties minimum
- $500K–$10M+
- Loan amount
- AirDNA
- STR income qualification
- 5–19 days
- Typical close