Short-term-rental DSCR loans exist, but lenders treat projected nightly income cautiously — many use a market rent estimate or a 12-month STR revenue history rather than optimistic pro-formas.
Because STR income is seasonal and volatile, programs often want a higher DSCR (1.25-1.5) and bigger reserves than a long-term rental of the same value.
Run the deal on conservative occupancy before assuming the listing's peak nights — a calculator stress-tested at 60% occupancy tells you whether it still covers debt.
Try it: DSCRradar on dscr loans short term.