DSCR Loans for Airbnb & Short-Term Rentals in Tampa/Orlando
We count your Airbnb income. No personal income docs. No tax returns. Just the property's cash flow. Tampa and Orlando are STR goldmines — let's get you financed.
Joe Pisa
Founder & Senior Loan Officer
NMLS #139369
"If Rocket, Chase, or your local credit union just crushed your dreams because of your credit score, self-employed income, or because you want to count your Airbnb income — you're in the right place."
Hey, if you're trying to finance a short-term rental in Tampa or Orlando and the bank says they can't count your Airbnb income — find a new bank. Or better yet, call me. DSCR (Debt Service Coverage Ratio) loans are designed specifically for investors. We don't look at your W-2, your tax returns, or your DTI. We look at one thing: does the property's rental income cover the mortgage payment? Tampa and Orlando have some of the best STR occupancy rates in the country — 2025 data shows 68%+ occupancy in prime areas. That's real income, and we count it.
Why We Close What Banks Deny
- We count Airbnb, VRBO, and short-term rental income
- No personal income documentation required
- No tax returns, no W-2s, no pay stubs
- DSCR as low as 0.75 (property can be slightly negative cash flow)
- Loan amounts up to $3 million
- Cash-out refinance up to 75% LTV on investment properties
Recent Closings in Tampa/Orlando, FL
These are real deals we closed. Banks denied them. We didn't.
Airbnb near Disney — 1.35 DSCR, investor's 4th property
Duplex STR — used AirDNA projections for income, closed in 21 days
5-unit vacation rental portfolio — cash-out refi, 1.25 DSCR
DSCR Loans Questions for Tampa/Orlando, FL
Real questions we get daily — with straight answers
Can I use Airbnb income to qualify for a mortgage in Orlando?
Yes. We use actual STR income from your Airbnb/VRBO statements, or we can use AirDNA/Rabbu projections for properties you're purchasing.
What DSCR do I need to qualify in Florida?
1.0 DSCR means the rent exactly covers the payment. We go as low as 0.75 DSCR with compensating factors. Most STRs in Tampa/Orlando easily hit 1.2-1.5 DSCR.
Do you finance vacation rentals near Disney?
Absolutely. Kissimmee, Davenport, Champions Gate — we close these all the time. The STR income in these areas is strong and well-documented.
Can I do a cash-out refinance on my Airbnb property?
Yes. Up to 75% LTV on investment properties. Pull equity to buy your next rental or reinvest in the property.
What if I just bought the property and don't have rental history?
We use third-party rental projections from AirDNA, Rabbu, or a local property manager's estimate. No rental history required for purchase.
Can I finance multiple STR properties at once?
Yes. We do portfolio DSCR loans and can finance 5, 10, even 20+ properties. Each property is evaluated on its own cash flow.
NorthStar Funding is a licensed mortgage broker. NMLS #139369. Equal Housing Lender. All loans subject to credit approval. Rates and terms subject to change without notice.