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Transparency

How We Make Money

We’re transparent about this: when you ask to be matched, we refer your interest to STR lending partners and are paid a fair-market-value marketing fee for that advertising service. It’s a per-lead marketing fee, not a per-loan commission or referral kickback — a distinction that keeps us on the right side of RESPA Section 8.

The honest version

When you ask to be matched, we refer your inquiry to STR lending partners and are paid a fair-market-value marketing fee for that advertising service. The tools, the verdict, and the editorial content are free to you.

A marketing fee — not a kickback

We are paid a per-lead marketing fee for bona fide advertising and lead-generation services, not a per-loan commission or a per-referral fee tied to whether a loan closes. That distinction is deliberate and keeps us on the right side of RESPA Section 8. See our Licenses & Disclosures.

Why this doesn’t bias the verdict

The feasibility verdict and the Feasibility & Legality Index are computed from data before any lead form — and we’ll tell you a deal doesn’t pencil, or that your city banned STR, even though that means no referral and no fee. The honest answer is the product; the marketing fee is downstream of it, and it never moves a number or a ranking.

What this means for you

You control who contacts you (consent is on a separate, unchecked checkbox and you can opt out any time), we’re not a call center, and the lenders you see are matched to your DSCR and property — not to who pays the most. If a deal doesn’t work, we say so.

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.

Run the address. Get the honest verdict.

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

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