Hybrid STR Investor Loan Guide Smarter Financing for Airbnb and Vacation Rental Investors Powered by Vision One Mortgage | NMLS #7861
Unlock Better Financing for Your Short-Term Rental Investments Your Airbnb deal shouldn’t die in underwriting. Discover how hybrid STR investor loans help you qualify using real booking revenue — even when traditional DSCR math says “no built for investors who want smarter leverage, lower down payments, and entity-friendly structures.
Why Traditional DSCR Loans Fail Great STR Deals
You’ve found the perfect Airbnb or vacation rental. The numbers look great — until underwriting.
Traditional Debt Service Coverage Ratio (DSCR) programs often underestimate true STR income because they rely on long-term rental comps and outdated data.
Common roadblocks:
Appraisals that miss seasonal and dynamic pricing gains
Capped income at “market rent” instead of real booking revenue
Lack of 12-month income history for new or newly launched listings
Rigid DSCR rules that deny approval even when cash flow is strong
The result: you’re asked to bring 25–30% down — or the deal dies outright.
Hybrid STR loans fix that.
The Smarter Way: Hybrid STR Investor Loans
At Vision One Mortgage, we work with lenders who understand the STR business model.
Hybrid STR loans blend DSCR and conventional underwriting — giving investors more flexibility and fairness.
Program Highlights:
Combine borrower income + property income
Accept booking data from Airbnb, Vrbo, and management systems
No automatic DSCR-based denials
Title and sometimes loan in an LLC for asset protection
First-time STR investors welcome
As little as 15% down in select cases
We don’t treat your Airbnb like a long-term rental — we treat it like the hospitality business it is.
https://www.visiononemortgage.com/home-purchase
What You’ll Learn in the Free Guide
Your downloadable PDF includes:
A breakdown of how hybrid STR underwriting works
A real-world numbers example
Checklist of required documentation
Comparison table: traditional DSCR vs hybrid STR
Steps to prepare your next STR loan application
Portfolio strategy tips for diversifying your real estate investments
Bonus Section:
“Holiday Season Investing — How to Diversify Your Portfolio Before Year-End”
Learn why many investors use the holiday season to rebalance and expand their property portfolios.
Is This Right for You?
This guide is ideal for:
✅ Investors launching new Airbnb listings
✅ Buyers in high-season or tourist markets
✅ Hosts with strong credit or W-2 income
✅ Experienced operators expanding portfolios
✅ Borrowers wanting entity-friendly lending
If you’ve ever had a promising STR deal denied — this guide is for you.
Why Vision One Mortgage
Vision One Mortgage specializes in investor-focused programs that help real estate entrepreneurs build wealth strategically.
Our team connects you with vetted lending partners who understand short-term rental income, hybrid underwriting, and investor entity structures.
We help you close smart — not just fast.
Learn more:www.visiononemortgage.com