Short-Term Rental (STR) & AirDNA Underwriting Desk · Arranged by Loan Daddy LLC (NMLS #2827624)
Short-Term Rental (STR / AirDNA / Seasonality) Cash-Flow & DSCR Underwriting Desk
Compare how institutional Non-QM and DSCR shelves underwrite vacation rentals across (a) 12-Month Trailing Airbnb/VRBO Payouts, (b) AirDNA Rentalizer Projections (100%, 85%, and 75% Haircut Tiers), and (c) Appraiser Form 1007 Long-Term Market Rent Fallback.
2. 5-Method STR Qualifying Income & DSCR Shelf Comparison
| Underwriting Method | Qualifying Rent/Mo | Monthly PITIA | Resulting DSCR | Shelf Eligibility |
|---|---|---|---|---|
| (a) 12-Month Airbnb/VRBO Actuals Requires 12 mos host payout statements | $6,790/mo | $3,950/mo | 1.72x | Up to 80% Purchase / 75% Cash-Out |
| (b1) AirDNA Rentalizer — 100% Credit Tier 60%+ Market Score · Min 1.15x–1.25x DSCR | $7,437/mo | $3,950/mo | 1.88x | Up to 75% Acquisition / Refi |
| (b2) AirDNA Rentalizer — 85% Standard Haircut 15% Vacancy/Mgmt Haircut · Most Common Shelf | $6,321/mo | $3,950/mo | 1.60x | Up to 75%–80% LTV Standard STR |
| (b3) AirDNA Rentalizer — 75% Conservative Tier 25% Expense Haircut · First-Time STR Host | $5,578/mo | $3,950/mo | 1.41x | Up to 70%–75% LTV |
| (c) Appraiser Form 1007 Long-Term Rent Fallback Used when STR ordinance restricts <30-day stays | $4,200/mo | $3,950/mo | 1.06x | Standard Long-Term DSCR (80% LTV) |
12-Month Peak / Shoulder / Off-Peak Seasonality Stress-Test
Jan
$8.8k
2.23x
Feb
$9.6k
2.43x
Mar
$10.3k
2.62x
Apr
$8.8k
2.23x
May
$7.3k
1.84x
Jun
$5.8k
1.46x
Jul
$5.4k
1.36x
Aug
$5.5k
1.40x
Sep
$6.7k
1.71x
Oct
$8.1k
2.04x
Nov
$8.1k
2.04x
Dec
$7.7k
1.94x
3. Municipal STR Ordinance, HOA & Insurance Compliance Verification
Pinned #1 STR Financing Desk: Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · (480) 485-1229
Submit STR / AirDNA Scenario to Loan Daddy LLC (quotes@loandaddy.ai) →