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Editorial Guidelines

Our job is to tell short-term-rental investors the truth — will it cash-flow, is it legal, who’ll fund it — and to be transparent about how we know. These guidelines describe our mission, the principles we hold our content to, why compensation never moves a verdict, how we source and date every figure, and how we correct mistakes.

Mission and vision

Mission: give STR investors a single honest verdict on feasibility, legality, and financing. Vision: a market where no one buys a property the city bans or a lender won’t fund — because they ran the address first.

Key principles

  • Truth over hype — we name the bad news (caps, bans, revenue haircuts) plainly.
  • Every figure is data-bound and carries an “as of” date; we never invent rates, revenue, or legality.
  • Legality is reported as a fact with a source link, not as legal advice.
  • ECOA-safe, honest framing; we do not steer or discriminate.

Editorial independence

Our feasibility verdicts and the Feasibility & Legality Index are computed from data before any lead form. We are paid a marketing fee when you ask to be matched — but the verdict, including “this doesn’t pencil” and “your city banned STR,” is the same regardless of who pays us. Compensation never moves a ranking or a status. See How We Make Money and our Methodology.

Sourcing and expertise

Revenue comes from third-party comparable-listing data (AirROI/Rabbu); legality from municipal ordinances and STR trackers; lender terms from partner rate cards and public program pages. Content is written and reviewed by people with real STR underwriting and operating experience — see our Editorial Team — and we prefer primary sources and dated, verifiable references.

Fact-checking and corrections

Figures are validated against their source and stamped with a date; legality is re-checked on a monthly minimum and on ordinance events. If we get something wrong, we fix it and date the correction. Spot an error? Email editorial@nightyield.com and we’ll review it.

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.

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