Company

About NightYield

NightYield exists because the short-term-rental investor’s real question — will it cash-flow, is it legal here, and who’ll fund it — is the one no one answers together. We fuse revenue feasibility, the city’s current STR legality, the STR DSCR, and lender acceptance into a single honest verdict, and we name the bad news plainly.

Why we exist

The short-term-rental investor’s real question — will it cash-flow, is it legal here, and who’ll fund it — is the one no one answers together. Lenders publish loan guides; data tools publish revenue estimates; nobody fuses revenue feasibility, the city’s current STR legality, the DSCR, and lender acceptance into a single honest verdict. So we built it.

What we are — and aren’t

NightYield is a marketing and lead-referral service — not a lender, broker, or law firm. We don’t originate, quote, or negotiate loans, and we don’t give legal advice. We compute the feasibility truth and, if you ask, connect you with STR lenders who fund Airbnb income.

We name the bad news plainly — caps, bans, revenue haircuts — because that honesty is the brand. We’d rather tell you a deal doesn’t pencil than chase a lead.

How the verdict works

One address returns four fused outputs: projected nightly revenue (from comparable listings), the city’s current STR legality (with the night-cap adjustment applied), your STR DSCR, and the count of lenders whose floor you clear. Every figure is dated; legality is re-checked monthly and on ordinance events. See our Methodology.

Who it’s for

The RevPAR operator with a few STR doors, the first-time buyer qualifying on a projection, and the distressed or pivoting operator whose city just changed the rules. If you think in occupancy and ADR, we speak your language.

The company

Mitchell McLennan — President & Chief Executive Officer
Michael Tarzia — Secretary
Konstantine Alexander — Treasurer

NightYield is operated by Misc Holdings Ltd., a Wyoming for-profit corporation (incorporated January 9, 2023; Wyoming filing ID 2023-001206048), with its principal office at 228 Park Avenue South, PMB 37100, New York, NY 10003.

Frequently asked questions

Can I get a DSCR loan on an Airbnb with no rental history?

Yes. 9 of the 10 STR lenders we track qualify the loan on a market revenue projection (AirDNA/Rabbu) or an appraiser’s Form 1007 short-term-rent schedule, so no operating history is required for many programs.

What down payment and LTV do STR DSCR loans require?

Most STR DSCR programs want 25–30% down (70–75% LTV) — slightly more than a long-term-rental DSCR loan, reflecting the variability of nightly income. A stronger cap-adjusted DSCR and credit band can unlock the higher-LTV tier.

What DSCR do STR lenders require?

Most set a floor around 1.0 on the cap-adjusted DSCR (revenue ÷ PITIA). Some offer no-ratio or sub-1.0 STR programs at a premium for thinner deals. The engine shows your ratio against each lender’s specific floor.

Are you a lender or a broker?

Neither. NightYield is a marketing and lead-referral service. We don’t originate, quote, or negotiate loans — we compute the feasibility truth and, if you ask, connect you with STR lenders who fund Airbnb income.

How current is this information?

Revenue and rate figures render from the data layer with an “as of” date; STR legality is re-checked on a monthly minimum and on ordinance events, because stale legality is worse than none. Every status shows when it was last checked and a source to verify.

How we make money Editorial guidelines Editorial team

Run the address. Get the honest verdict.

Free · No credit pull · Legality included · Not a call center.

Check the Address