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Coverage Ratio (DSCR) programs often underestimate true STR income because they rely on long-term rental comps and outdated data.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