DirectLenderMatch

Specialized · Investment-property mortgage

Short-Term Rental (STR) DSCR Loan

Short-Term Rental (STR) DSCR Loan is categorized in this directory under the financing form “Investment-property mortgage.” Typical use: Finance Airbnb/VRBO-style rental property. Support or collateral is generally based on Vacation/short-term-rental cash flow.

What is it?

DirectLenderMatch classifies Short-Term Rental (STR) DSCR Loan under the financing form “Investment-property mortgage.” Its typical use in this directory is: Finance Airbnb/VRBO-style rental property.

How does it work?

The structure is generally evaluated, supported, or secured using the following basis: Vacation/short-term-rental cash flow. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.

What can it be used for?

Finance Airbnb/VRBO-style rental property.

What backs or supports it?

Vacation/short-term-rental cash flow.

Why does this structure exist?

This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.

Important considerations

Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.

Is this actually a loan?

Loan or credit structure

Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.

Verified lenders or providers

Direct private lender

Lima One Capital

Lima One currently identifies itself as a private lender and documents FixNFlip, bridge, rental/DSCR, portfolio rental, short-term rental, new construction and Build2Rent programs.

Official evidence page →

Last verified: 2026-08-23

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