Company
Editorial Team
Our content is produced by the NightYield editorial desk and reviewed before publication. We show our sources, date every figure, and publish corrections transparently.
Who writes and reviews
The NightYield editorial desk leads our feasibility-and-legality guides and owns the freshness of the legality data. Every piece is reviewed by an editor and a compliance reviewer before publication.
Our standards
- Every figure is data-bound and dated; we never invent rates, revenue, or legality.
- Legality is a fact with a source link — not advice; we say “confirm with the city.”
- We name the bad news (caps, bans, haircuts) and mark drafts as drafts.
- Corrections are dated and transparent.
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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